14352 Kelso Ct, Carmel (Westfield), IN 46074 Property Records

Hamilton County property record for 14352 Kelso Ct, Carmel, IN 46074

Property Summary

Property Type	Single Family Home
Details	3 bd · 5.5 ba · 4,102 sqft · built 2023
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,275 (2024)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-20-026-051.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-20-026-051.000-018`
Alternative APN	`1709200026051000`

Interior

Bedrooms	3 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	21 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	4,102 sqft Living Area
Gross Area	5,351 sqft
Basement Area	1,585 sqft
Finished Basement	1,125 sqft
Unfinished Basement	460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Frame
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	789 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	14352 KELSO CT
City	CARMEL
State	IN
Zip	46074-6108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .26, SECTION 20, TOWNSHIP 18, RANGE 3, ALBANY VILLAGE, LOT 28, IRREGULAR SHAPE
Legal Subdivision	ALBANY VILLAGE
Legal Lot Number	28
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1014
Census Tract	110910

Owner

Source: Hamilton County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	14352 KELSO CT, CARMEL, IN 46074-6108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 6, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST EQUITY MORTGAGE
May 11, 2023	Warranty Deed, Construction Loan
May 11, 2023	Warranty Deed, Construction Loan

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2023
Deed Sale	Nov 6, 2023
Prior Sale	May 11, 2023
Deed Document Number	202342331
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	14352 KELSO CT, CARMEL, IN 46074-6108
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14352 KELSO CT, CARMEL, IN 46074-6108

Mortgage

Document Number	0000040412
Date	Sep 19, 2025
Instrument	2025040412

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2035

November 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 6, 2023
Property Address	14352 KELSO CT, CARMEL, IN 46074-6108
Document Number	0000042331
Map Reference	DOC 2023025648
Instrument Date	Oct 25, 2023
Instrument	2023042331
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 28, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14352 KELSO CT, CARMEL, IN 46074-6108

Mortgage

Document Number	0000042332
Date	Nov 6, 2023
Instrument	2023042332

Lender

Name	FIRST EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

May 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 11, 2023
Property Address	14352 KELSO CT, CARMEL, IN 46074-6108
Document Number	0000017089
Map Reference	DOC 2022052348
Instrument Date	May 1, 2023
Instrument	2023017089
Transaction Type	Construction Loan
Record Updated	Dec 29, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 E 96TH ST STE 100, 100, INDIANAPOLIS, IN 46240-3878

May 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 11, 2023
Property Address	14352 KELSO CT, CARMEL, IN 46074-6108
Document Number	0000017089
Map Reference	DOC 2022052348
Instrument Date	May 1, 2023
Instrument	2023017089
Transaction Type	Construction Loan
Record Updated	Nov 28, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 E 96TH ST STE 100 STE 100, 100, INDIANAPOLIS, IN 46240-3878

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

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		$770,200 (-4.19%) Land $143,400 Building $626,800	$770,200 (-4.19%) Land $143,400 Building $626,800
2024	$9,275.00 (+185,4%)	$803,900 (+133,883.33%) Land $143,400 Building $660,500	$803,900 (+133,883.33%) Land $143,400 Building $660,500
2023	$5.00	$600 Land $600	$600 Land $600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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