13185 Frogmore St, Carmel, IN 46032 Property Records

Hamilton County property record for 13185 Frogmore St, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 5,354 sqft · built 2016
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on File
Tax Bill	$11,773 (2024)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-28-051-011.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-28-051-011.000-018`
Alternative APN	`1709280051011000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	5,354 sqft Living Area
1st Floor Area	2,060 sqft
2nd Floor Area	1,544 sqft
Basement Area	2,060 sqft
Finished Basement	1,750 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	170 ft deep x 185 ft wide
Garage Type	Mixed
Garage Area	680 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709280051011000
Street Address	13185 FROGMORE ST
City	CARMEL
State	IN
Zip	46032-7151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .43, SECTION 28, TOWNSHIP 18, RANGE 3, VILLAGE OF WESTCLAY, SECTION 9001, LOT 175, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	28
Legal Subdivision	VILLAGE/WESTCLAY SEC 9001
Legal Lot Number	175 185
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3014
Census Tract	110909

Owner

13185 Frogmore St is owned and occupied by an individual who acquired it in December 2016.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	13185 FROGMORE ST, CARMEL, IN 46032-7151
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	Dec 30, 2016
Deed Sale	Dec 30, 2016
Deed Document Number	2016069504
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13185 FROGMORE ST, CARMEL, IN 46032-7151
Transaction Type	Mortgage
Record Updated	Mar 5, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011355
Date	Feb 12, 2021
Instrument	2021011355

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 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		$1,201,600 (+17.55%) Land $242,500 Building $959,100	$1,201,600 (+17.55%) Land $242,500 Building $959,100
2024	$11,773.00 (+33.89%)	$1,022,200 (+32.26%) Land $242,500 Building $779,700	$1,022,200 (+32.26%) Land $242,500 Building $779,700
2023	$8,793.00 (+24.02%) Homeowner's exemption	$772,900 (+24.78%) Land $242,500 Building $530,400	$772,900 (+24.78%) Land $242,500 Building $530,400
2022	$7,090.00 Homeowner's exemption	$619,400 Land $124,200 Building $495,200	$619,400 Land $124,200 Building $495,200

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

Flood

FEMA maps place 13185 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	2 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 13185 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