Hamilton County property record for 13819 Ditch Rd, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 3 ba · 2,976 sqft · built 1977 |
| Lot Size | 0.95 acres (41,382 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $4,945 (2024) |
| Deeds & Mortgages | Jan 2026 Transfer Feb 2020 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-22-000-025.000-018 |
| Primary APN | 29-09-22-000-025.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 2,976 sqft Living Area |
| 1st Floor Area | 1,776 sqft |
| 2nd Floor Area | 1,200 sqft |
| Basement Area | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Other |
| Roof Material | Asphalt |
| Lot Area | 41,382 sqft (0.95 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 1,680 sqft |
| Parking Spaces | 6 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1709220000025000 |
|---|---|
| Street Address | 13819 DITCH RD |
| City | CARMEL |
| State | IN |
| Zip | 46032-8729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .95, SECTION 22, TOWNSHIP 18, RANGE 3 |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 22 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 110909 |
13819 Ditch Rd is owner-occupied and held in a trust since January 2026.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 13819 DITCH RD, CARMEL, IN 46032-8729 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 12, 2026 | Intrafamily Transfer, Transfer |
| Feb 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Nov 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Aug 20, 2018 | Personal Representative Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Oct 29, 2018 | Grant Deed, Transfer FIRST AMERICAN TITLE |
| Jul 6, 2018 | Deed of Trust, Mortgage RUOFF MTG |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2018 |
| Deed Sale | Oct 29, 2018 |
| Prior Sale | Oct 29, 2018 |
| Deed Document Number | 0000050998 |
| Last Transfer Date | Jan 12, 2026 |
| Transfer Doc | 0000001131 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Jan 12, 2026 |
| Property Address | 13819 DITCH RD, CARMEL, IN 46032-8729 |
| Document Number | 0000001131 |
| Instrument Date | Jan 6, 2026 |
| Instrument | 2026001131 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 13819 DITCH RD, CARMEL, IN 46032-8729 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 13819 DITCH RD, CARMEL, IN 46032-8729 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CENTURION LAND TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000009346 |
|---|---|
| Date | Feb 24, 2020 |
| Instrument | 2020009346 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 13819 DITCH RD, CARMEL, IN 46032-8729 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CENTURION LAND TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000085489 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 2020085489 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Aug 20, 2018 |
| Property Address | 13819 DITCH RD, CARMEL, IN 46032-8729 |
| Document Number | 2018038336 |
| Instrument Date | Jul 6, 2018 |
| Instrument | 2018038336 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 13819 DITCH RD, CARMEL, IN 46032-8729 |
| Document Number | 2018038337 |
|---|---|
| Date | Aug 20, 2018 |
| Instrument | 2018038337 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Oct 29, 2018 |
| Property Address | 13819 DITCH RD, CARMEL, IN 46032-8729 |
| Document Number | 0000050998 |
| Instrument Date | Jul 6, 2018 |
| Instrument | 50998 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13819 DITCH RD CARMEL IN 460328729, CARMEL, IN 46032-8729 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 13819 DITCH RD, CARMEL, IN 46032-8729 |
| Document Number | 0000050999 |
| Instrument Date | Jul 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13819 DITCH RD CARMEL IN 460328729, CARMEL, IN 46032-8729 |
| Document Number | 0000050999 |
|---|---|
| Date | Oct 29, 2018 |
| Instrument | 50999 |
| Name | RUOFF MTG |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 28, 2048 |
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 | $477,100 (+7.43%) Land $148,200 Building $328,900 | $477,100 (+7.43%) Land $148,200 Building $328,900 | |
| 2024 | $4,945.00 (+17.93%) | $444,100 (+12.52%) Land $148,200 Building $295,900 | $444,100 (+12.52%) Land $148,200 Building $295,900 |
| 2023 | $4,193.00 (+7.9%) Homeowner's exemption | $394,700 (+15.31%) Land $98,800 Building $295,900 | $394,700 (+15.31%) Land $98,800 Building $295,900 |
| 2022 | $3,886.00 Homeowner's exemption | $342,300 Land $98,800 Building $243,500 | $342,300 Land $98,800 Building $243,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13819 Ditch Rd 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 risk around 13819 Ditch Rd 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.
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 206 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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