14391 Kelso Ct, Carmel (Westfield), IN 46074 Property Records

Hamilton County property record for 14391 Kelso Ct, Carmel, IN 46074

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,231 sqft · built 2024
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$875,078 (Dec 2024)
Tax Bill	$70 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-20-026-059.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-20-026-059.000-018`
Alternative APN	`1709200026059000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,231 sqft Living Area
Basement Area	1,707 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	714 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709200026059000
Street Address	14391 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 36, IRREGULAR SHAPE
Legal Lot Number	36
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1014
Census Tract	110910

Owner

14391 Kelso Ct is owned and occupied by an individual who bought it in December 2024.

Source: Hamilton County records, as of March 4, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	14391 KELSO CT, CARMEL, IN 46074-6108
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Conventional Mortgage CME LENDING GROUP LLC
Dec 5, 2024	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CME LENDING GROUP LLC
Jun 7, 2024	Warranty Deed, Construction Loan

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2024 · Amount on File
Deed Sale	Dec 5, 2024 · Amount on File
Prior Sale	Jun 7, 2024 · Amount on File
Deed Document Number	2024046817
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	14391 KELSO CT, CARMEL, IN 46074-6108
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14391 KELSO CT, CARMEL, IN 46074-6108

Mortgage

Document Number	0000042724
Date	Oct 6, 2025
Instrument	2025042724

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company
Address	CHESTERTON, IN 46304

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

December 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Dec 5, 2024
Property Address	14391 KELSO CT, CARMEL, IN 46074-6108
Document Number	0000046817
Map Reference	DOC 2023031476
Instrument Date	Nov 20, 2024
Instrument	2024046817
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 5, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
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	14391 KELSO CT, CARMEL, IN 46074-6108

Mortgage

Document Number	0000046818
Date	Dec 5, 2024
Instrument	2024046818

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2054

June 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 7, 2024
Property Address	14391 KELSO CT, CARMEL, IN 46074-6108
Document Number	0000019880
Map Reference	DOC 2023031476
Instrument Date	May 29, 2024
Instrument	2024019880
Transaction Type	Construction Loan
Record Updated	Mar 5, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length Multiple Parcels

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
Investor	Possibly a Property Investor

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		$739,400 (+123,133.33%) Land $143,400 Building $596,000	$739,400 (+123,133.33%) Land $143,400 Building $596,000
2024	$70.00 (+483.33%)	$600 (-) Land $600	$600 (-) Land $600
2023	$12.00	$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

FEMA maps place 14391 Kelso Ct 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	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

Wildfire risk around 14391 Kelso Ct 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.

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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