13097 Frogmore St, Carmel, IN 46032 Property Records

Hamilton County property record for 13097 Frogmore St, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 6,309 sqft · built 2007
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Tax Bill	$9,328 (2024)
Deeds & Mortgages	Dec 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-09-28-003-014.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-28-003-014.000-018`
Alternative APN	`1709280003014000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	6,309 sqft Living Area
1st Floor Area	2,352 sqft
2nd Floor Area	2,393 sqft
Basement Area	2,144 sqft
Finished Basement	1,564 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	653 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709280003014000
Street Address	13097 FROGMORE ST
City	CARMEL
State	IN
Zip	46032-7223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .41, SECTION 28, TOWNSHIP 18, RANGE 3, VILLAGE OF WESTCLAY, SECTION 10006, LOT 348, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	28
Legal Subdivision	VL OF WEST
Legal Lot Number	348 77
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1001
Census Tract	111009

Owner

13097 Frogmore St is owned and occupied by an individual who acquired it in December 2014.

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

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	13097 FROGMORE ST, CARMEL, IN 46032-7223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2014
Deed Sale	Dec 29, 2014
Prior Sale	Feb 21, 2012 · Amount on File
Deed Document Number	2014059072
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13097 FROGMORE ST, CARMEL, IN 46032-7223
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000092216
Date	Dec 28, 2021
Instrument	2021092216

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Jan 18, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$986,500 (+21.19%) Land $229,900 Building $756,600	$986,500 (+21.19%) Land $229,900 Building $756,600
2024	$9,328.00 (-0.27%)	$814,000 (-0.84%) Land $229,900 Building $584,100	$814,000 (-0.84%) Land $229,900 Building $584,100
2023	$9,353.00 (+3.51%) Homeowner's exemption	$820,900 (+4.51%) Land $229,900 Building $591,000	$820,900 (+4.51%) Land $229,900 Building $591,000
2022	$9,036.00 Homeowner's exemption	$785,500 Land $183,900 Building $601,600	$785,500 Land $183,900 Building $601,600

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

Flood

FEMA maps place 13097 Frogmore St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force

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 13097 Frogmore St 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 99.1% of the US · lower than 94% 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20