Hamilton County property record for 14505 Oak Ridge Rd, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,986 sqft · built 1983 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Owner Names on File |
| Tax Bill | $3,836 (2024) |
| Deeds & Mortgages | Feb 2026 Mortgage Oct 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-24-101-002.000-018 |
| Primary APN | 29-09-24-101-002.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 1,986 sqft Living Area |
| 1st Floor Area | 1,102 sqft |
| 2nd Floor Area | 884 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 140 ft deep x 110 ft wide |
| Terrain | High |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1709240101002000 |
|---|---|
| Street Address | 14505 OAK RIDGE RD |
| City | CARMEL |
| State | IN |
| Zip | 46032-1299 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .35, SECTION 24, TOWNSHIP 18, RANGE 3, HUNTER'S CREEK VILLAGE, SECTION 1, LOT 2 |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 24 |
| Legal Subdivision | HUNTERS CREEK VILLAGE SECTION 1 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 110906 |
The current owner of 14505 Oak Ridge Rd acquired it in January 2005.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 14505 OAK RIDGE RD, CARMEL, IN 46032-1299 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| Feb 12, 2026 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 24, 2023 | Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC |
| Sep 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2005 |
| Deed Sale | Jan 4, 2005 |
| Prior Sale | Jul 23, 2003 |
| Deed Document Number | 200500000541 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 14505 OAK RIDGE RD, CARMEL, IN 46032-1299 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 14505 OAK RIDGE RD, CARMEL, IN 46032-1299 |
| Document Number | 0000005749 |
|---|---|
| Date | Feb 12, 2026 |
| Instrument | 2026005749 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 14505 OAK RIDGE RD, CARMEL, IN 46032-1299 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2024 |
| Title Company | NC TITLE COMPANY, NETCO |
| Name | Verified Name |
|---|
| Document Number | 0000040512 |
|---|---|
| Date | Oct 24, 2023 |
| Instrument | 2023040512 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | WILLIAMSTON, MI 48895 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 14505 OAK RIDGE RD, CARMEL, IN 46032-1299 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | COMMUNITY TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000063302 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 2020063302 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 293 Months |
| Due | Feb 1, 2045 |
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 | $377,400 Land $104,100 Building $273,300 | $377,400 Land $104,100 Building $273,300 | |
| 2024 | $3,836.00 (+16.63%) | ||
| 2023 | $3,289.00 (+1.2%) | $319,500 (+9.94%) Land $89,700 Building $229,800 | $319,500 (+9.94%) Land $89,700 Building $229,800 |
| 2022 | $3,250.00 | $290,600 Land $89,700 Building $200,900 | $290,600 Land $89,700 Building $200,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14505 Oak Ridge Rd 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 risk around 14505 Oak Ridge 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 | 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 241 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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