12902 Andover Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 12902 Andover Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,788 sqft · built 1978
Lot Size	0.68 acres (29,621 sqft)
Owner	Individual Name on File
Tax Bill	$6,365 (2024)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-29-404-013.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-29-404-013.000-018`
Alternative APN	`1610290404013000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,788 sqft Living Area
1st Floor Area	1,328 sqft
2nd Floor Area	1,460 sqft
Basement Area	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	29,621 sqft (0.68 acres)
Lot Dimensions	342 ft deep x 145 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610290404013000
Street Address	12902 ANDOVER DR
City	CARMEL
State	IN
Zip	46033-2418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 29, TOWNSHIP 18, RANGE 4, BROOKSHIRE NORTH, SECTION 1, LOT 21, IRREGULAR SHAPE
Legal Range	04
Legal Township	18
Legal Section	29
Legal Subdivision	BROOKSHIRE NORTH SECTION 1
Legal Block	1
Legal Lot Number	21
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1015
Census Tract	111003

Owner

12902 Andover Dr is owned and occupied by an individual who acquired it in September 2007.

Source: Hamilton County records, as of March 4, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12902 ANDOVER DR, CARMEL, IN 46033-2418
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2007
Deed Sale	Sep 12, 2007
Prior Sale	Mar 1, 2006
Deed Document Number	2007052054
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12902 ANDOVER DR, CARMEL, IN 46033-2418
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021031573
Date	Apr 27, 2021
Instrument	2021031573

Lender

Name	PROFED FCU
Type	Credit Union
Address	FORT WAYNE, IN 46805

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Hamilton County
County Subdivision	Clay Township
Municipality	Carmel City
Unified School District	Carmel Clay Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$592,100 (+5.77%) Land $130,400 Building $461,700	$592,100 (+5.77%) Land $130,400 Building $461,700
2024	$6,365.00 (+10.79%)	$559,800 (+7.04%) Land $130,400 Building $429,400	$559,800 (+7.04%) Land $130,400 Building $429,400
2023	$5,745.00 (+8.05%) Homeowner's exemption	$523,000 (+12.06%) Land $101,000 Building $422,000	$523,000 (+12.06%) Land $101,000 Building $422,000
2022	$5,317.00 Homeowner's exemption	$466,700 Land $101,000 Building $365,700	$466,700 Land $101,000 Building $365,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12902 Andover Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1979–2003)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2003 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Sep 2003 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 12902 Andover Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CARMEL WATER DEPARTMENT serves 99,927 people · EPA ID IN5229004
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2024 E. coli resolved · Oct 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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