Hamilton County property record for 13200 Ditch Rd, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 6 ba · 10,110 sqft · built 2013 |
| Lot Size | 1.52 acres (66,211 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $2,050,000 (Nov 2020) |
| Tax Bill | $22,274 (2024) |
| Deeds & Mortgages | Jan 2018 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-28-024-025.000-018 |
| Primary APN | 29-09-28-024-025.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 24 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 10,110 sqft Living Area |
| 1st Floor Area | 4,225 sqft |
| 2nd Floor Area | 2,406 sqft |
| Basement Area | 3,729 sqft |
| Finished Basement | 3,479 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 66,211 sqft (1.52 acres) |
| Lot Dimensions | 300 ft deep x 216 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,634 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Area | 880 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1709280024025000 |
|---|---|
| Street Address | 13200 DITCH RD |
| City | CARMEL |
| State | IN |
| Zip | 46032-9470 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE 1.52, SECTION 28, TOWNSHIP 18, RANGE 3, ESTATES OF CLAY WEST, LOT 25, IRREGULAR SHAPE |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 28 |
| Legal Subdivision | EST OF CLAY WST |
| Legal Lot Number | 25 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 110909 |
Source: Hamilton County records, as of March 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 13200 DITCH RD, CARMEL, IN 46032-9470 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 4, 2018 | Deed of Trust, Mortgage · ARM MERCHANTS BANK OF INDIANA |
| Nov 9, 2020 | Warranty Deed, Transfer · ARM BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2020 · Amount on Record |
| Deed Sale | Nov 9, 2020 · Amount on Record |
| Prior Sale | Oct 9, 2012 · Amount on Record |
| Deed Document Number | 2020081468 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 13200 DITCH RD, CARMEL, IN 46032-9470 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE CO LLC |
| Name | Verified Name |
|---|
| Document Number | 0000000479 |
|---|---|
| Date | Jan 4, 2018 |
| Instrument | 2018000479 |
| Name | MERCHANTS BANK OF INDIANA |
|---|---|
| Type | Bank |
| Address | CARMEL, IN 46032 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Feb 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.37% |
| Max Rate At Change | 6.37% |
| Index | 1-Year LIBOR |
| Max Rate | 9.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Nov 9, 2020 |
| Property Address | 13200 DITCH RD, CARMEL, IN 46032-9470 |
| Document Number | 2020081468 |
| Instrument Date | Nov 5, 2020 |
| Instrument | 2020081468 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Title Company | CENTURION LAND TITLE INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13200 DITCH RD, CARMEL, IN 46032-9470 |
| Document Number | 2020081469 |
|---|---|
| Date | Nov 9, 2020 |
| Instrument | 2020081469 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.62% |
| Index | 1-Year LIBOR |
| Max Rate | 7.62% |
Source: Hamilton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,086,900 (+12.96%) Land $573,800 Building $1,513,100 | $2,086,900 (+12.96%) Land $573,800 Building $1,513,100 | |
| 2024 | $22,274.00 (-2.38%) | $1,847,400 (-0.92%) Land $573,800 Building $1,273,600 | $1,847,400 (-0.92%) Land $573,800 Building $1,273,600 |
| 2023 | $22,817.00 (+9.66%) Homeowner's exemption | $1,864,500 (+9.12%) Land $573,800 Building $1,290,700 | $1,864,500 (+9.12%) Land $573,800 Building $1,290,700 |
| 2022 | $20,807.00 Homeowner's exemption | $1,708,700 Land $287,500 Building $1,421,200 | $1,708,700 Land $287,500 Building $1,421,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 68% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 124 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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