13775 Laredo Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 13775 Laredo Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,484 sqft · built 1988
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Tax Bill	$5,008 (2024)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-24-305-011.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-24-305-011.000-018`
Alternative APN	`1709240305011000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,484 sqft Living Area
1st Floor Area	1,428 sqft
2nd Floor Area	1,056 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2010
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709240305011000
Street Address	13775 LAREDO DR
City	CARMEL
State	IN
Zip	46032-5258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .28, SECTION 24, TOWNSHIP 18, RANGE 3, HUNTERS CREEK SOUTH, SECTION 5, LOT 101
Legal Range	03
Legal Township	18
Legal Section	24
Legal Subdivision	HUNTERS CREEK SOUTH SECTION FIVE
Legal Block	5
Legal Lot Number	101
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1015
Census Tract	110906

Owner

13775 Laredo Dr is owned and occupied by an individual who acquired it in October 2016.

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
Mailing Address	13775 LAREDO DR, CARMEL, IN 46032-5258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2016
Deed Sale	Oct 31, 2016
Prior Sale	May 18, 2015
Deed Document Number	2016057159
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13775 LAREDO DR, CARMEL, IN 46032-5258
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020064017
Date	Sep 16, 2020
Instrument	2020064017

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

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		$450,700 (+0.81%) Land $112,200 Building $338,500	$450,700 (+0.81%) Land $112,200 Building $338,500
2024	$5,008.00 (+19.01%)	$447,100 (+12.93%) Land $112,200 Building $334,900	$447,100 (+12.93%) Land $112,200 Building $334,900
2023	$4,208.00 (+6.4%) Homeowner's exemption	$395,900 (+13.7%) Land $90,800 Building $305,100	$395,900 (+13.7%) Land $90,800 Building $305,100
2022	$3,955.00 Homeowner's exemption	$348,200 Land $90,800 Building $257,400	$348,200 Land $90,800 Building $257,400

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

Flood

FEMA maps place 13775 Laredo Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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	3 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jun 1978 · tidal / storm surge

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

The area around 13775 Laredo Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 410 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 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20