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1296 Shadow Ridge Rd, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 1296 Shadow Ridge Rd, Carmel, IN 46280

Property Summary

Property TypeCondominium
Details2 bd · 2 ba · 1,650 sqft · built 2001
Lot Size0.13 acres (5,663 sqft)
OwnerIndividual Name on Record
Last Sale$238,602 (Sep 2020)
Tax Bill$2,670 (2024)
Deeds & MortgagesSep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN29-13-12-403-012.000-018

Property Details

APN / Parcel Number

Primary APN29-13-12-403-012.000-018
Alternative APN
  • 1713120403012000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms4 Rooms
Stories1 Story
Building Area1,650 sqft Living Area
Gross Area2,148 sqft
1st Floor Area1,650 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Construction TypeFrame
Roof MaterialAsphalt
Lot Area5,663 sqft (0.13 acres)
Garage TypeAttached
Garage Area498 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address1296 SHADOW RIDGE RD
CityCARMEL
StateIN
Zip46280-2711
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionACREAGE .00, SECTION 12, TOWNSHIP 17, RANGE 3, THE RETREAT CONDO HPR, SQUARE FEET (CONDO) 1,650.00, BUILDING 40, TRACT 3, UNIT F, % OF COMMON AREA
Legal Range03
Legal Township17
Legal Section12
Legal SubdivisionTHE RETREAT CONDO HPR
Legal Tract3
JurisdictionHAMILTON IN
Township / Civil DivisionCLAY
Census Block Group2
Census Block2024
Census Tract111104

Owner

Source: Hamilton County records, as of April 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address1296 SHADOW RIDGE RD, CARMEL, IN 46280-2711
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 2, 2020 · Amount on Record
Deed SaleSep 2, 2020 · Amount on Record
Prior SaleJun 28, 2016 · Amount on Record
Deed Document Number202060390
Record UpdatedSep 20, 2026

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON IN
Recording DateSep 2, 2020
Property Address1296 SHADOW RIDGE RD, CARMEL, IN 46280-2711
Document Number2020060390
Map ReferenceDOC 2000028729
Instrument DateAug 28, 2020
Instrument2020060390
Transaction TypeTransfer
Record UpdatedOct 22, 2021

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1296 SHADOW RIDGE RD, CARMEL, IN 46280-2711

Mortgage

Document Number2020060391
DateSep 2, 2020
Instrument2020060391
Lender
NameNEIGHBORS BANK
TypeBank
AddressCOLUMBIA, MO 65202
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2050

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

Property Jurisdictions

TypeName
StateIndiana
CountyHamilton County
County SubdivisionClay Township
MunicipalityCarmel City
Unified School DistrictCarmel Clay Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$290,400 (+12.08%) Land $66,000 Building $224,400$290,400 (+12.08%) Land $66,000 Building $224,400
2024$2,670.00 (+16.75%)$259,100 (+9.28%) Land $66,000 Building $193,100$259,100 (+9.28%) Land $66,000 Building $193,100
2023$2,287.00 (+0.88%)$237,100 (+12.1%) Land $44,000 Building $193,100$237,100 (+12.1%) Land $44,000 Building $193,100
2022$2,267.00$211,500 Land $44,000 Building $167,500$211,500 Land $44,000 Building $167,500

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims2 (2008–2011)
Claims Outside the SFHA2 of 2
Most Recent ClaimJun 2011 · rainfall accumulation

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

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 94% of Indiana
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCARMEL WATER DEPARTMENT
serves 99,927 people · EPA ID IN5229004
Water SourceGroundwater influenced by surface water
Last State InspectionAug 2024
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2024
E. coli
resolved · Oct 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 170 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		1,000 / 75
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

May also be available: Metronet, Spectrum, Xiber.

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