Hamilton County property record for 13403 Ditch Rd, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6 ba · 6,358 sqft · built 1990 |
| Lot Size | 6 acres (261,360 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $14,048 (2024) |
| Deeds & Mortgages | Mar 2024 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-27-000-001.106-018 |
| Primary APN | 29-09-27-000-001.106-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 22 Plumbing Fixtures |
| Total Rooms | 18 Rooms |
| Stories | 2 Stories |
| Building Area | 6,358 sqft Living Area |
| 1st Floor Area | 2,012 sqft |
| Basement Area | 2,012 sqft |
| Finished Basement | 1,500 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Architectural Style | Other |
| Roof Material | Asphalt |
| Lot Area | 261,360 sqft (6 acres) |
| Garage Type | Attached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 648 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Other |
| Account Number | 1709270000001106 |
|---|---|
| Street Address | 13403 DITCH RD |
| City | CARMEL |
| State | IN |
| Zip | 46032-7903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE 6.00, SECTION 27, TOWNSHIP 18, RANGE 3 |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 27 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3004 |
| 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 | 13403 DITCH RD, CARMEL, IN 46032-7903 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2024 | Deed of Trust, Mortgage · Line of Credit HORIZON BANK |
| Mar 30, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage JLB CORP |
| Sep 5, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2013 |
| Deed Sale | Jul 9, 2013 |
| Prior Sale | Jul 9, 2013 |
| Deed Document Number | 0000042376 |
| Last Transfer Date | Mar 30, 2021 |
| Transfer Doc | 0000024397 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 13403 DITCH RD, CARMEL, IN 46032-7903 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2024 |
| Name | Verified Name |
|---|---|
| Address | 13403 DITCH RD, CARMEL, IN 46032-7903 |
| Document Number | 0000010765 |
|---|---|
| Date | Mar 28, 2024 |
| Instrument | 2024010765 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 19, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Mar 30, 2021 |
| Property Address | 13403 DITCH RD, CARMEL, IN 46032-7903 |
| Document Number | 0000024397 |
| Instrument Date | Feb 26, 2021 |
| Instrument | 2021024397 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2023 |
| Title Company | COPPER TITLE, COPPER TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13403 DITCH RD, CARMEL, IN 46032-7903 |
| Document Number | 0000024398 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 2021024398 |
| Name | JLB CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 13403 DITCH RD, CARMEL, IN 46032-7903 |
| Document Number | 0000042005 |
| Instrument Date | Sep 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 13403 DITCH RD CARMEL IN 460327903, CARMEL, IN 46032-7903 |
| Document Number | 0000042005 |
|---|---|
| Date | Sep 10, 2018 |
| Instrument | 42005 |
| Name | FIRST MERCHANTS BK |
|---|---|
| Type | Bank |
| Address | INDIANAPOLIS, IN 46290 |
| Type | Line of Credit |
|---|
| Rate Type | Adjustable Rate |
|---|
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 | $1,191,600 (+6.86%) Land $267,900 Building $923,700 | $1,191,600 (+6.86%) Land $267,900 Building $923,700 | |
| 2024 | $14,048.00 (+10.21%) | $1,115,100 (+8.66%) Land $268,300 Building $846,800 | $1,115,100 (+8.66%) Land $268,300 Building $846,800 |
| 2023 | $12,746.00 (+19.66%) Homeowner's exemption | $1,026,200 (+22.97%) Land $204,900 Building $821,300 | $1,026,200 (+22.97%) Land $204,900 Building $821,300 |
| 2022 | $10,652.00 Homeowner's exemption | $834,500 Land $203,800 Building $630,700 | $834,500 Land $203,800 Building $630,700 |
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 94% of the US · above 40% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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