Hamilton County property record for 14728 Setters Rd, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,302 sqft · built 1999 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $371,680 (Oct 2026) |
| Tax Bill | $3,523 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Jul 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-17-003-047.000-015 |
| Primary APN | 29-10-17-003-047.000-015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,302 sqft Living Area |
| Gross Area | 2,762 sqft |
| 1st Floor Area | 2,302 sqft |
| 2nd Floor Area | 1,265 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 150 ft deep x 82 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 14728 SETTERS RD |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46033-9431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .28, SECTION 17, TOWNSHIP 18, RANGE 4, SETTERS RUN, SECTION 2, LOT 111 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 17 |
| Legal Subdivision | SETTERS RUN SECTION 2 |
| Legal Block | 2 |
| Legal Lot Number | 111 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | WESTFIELD WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 110515 |
14728 Setters Rd is owned and occupied by two individuals who bought it in October 2026.
Source: Hamilton County records, as of October 14, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 14728 SETTERS RD, CARMEL, IN 46033-9431 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage ELEMENTS FINANCIAL FEDERAL CREDIT UNION |
| Jul 7, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE LOAN STORE INC |
| Aug 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY |
| May 11, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 2, 2018 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on File |
| Deed Sale | Oct 1, 2026 · Amount on File |
| Prior Sale | Jul 7, 2023 · Amount on File |
| Deed Document Number | 202645425 |
| Prior Transfer Date | May 19, 2015 |
| Prior Transfer Doc | 0000024159 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Oct 1, 2026 |
| Property Address | 14728 SETTERS RD, CARMEL, IN 46033-9431 |
| Document Number | 0000045425 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 202645425 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | MERIDIAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14728 SETTERS RD, CARMEL, IN 46033-9431 |
| Investor | Possibly a Property Investor |
| Document Number | 0000045426, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 202645426 |
| Name | ELEMENTS FINANCIAL FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.63% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Jul 7, 2023 |
| Property Address | 14728 SETTERS RD, CARMEL, IN 46033-9431 |
| Document Number | 0000025195 |
| Map Reference | DOC 9744238 |
| Instrument Date | Jun 28, 2023 |
| Instrument | 2023025195 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 14728 SETTERS RD, CARMEL, IN 46033-9431 |
| Document Number | 0000025196 |
|---|---|
| Date | Jul 7, 2023 |
| Instrument | 2023025196 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Aug 1, 2022 |
| Property Address | 14728 SETTERS RD, CARMEL, IN 46033-9431 |
| Document Number | 0000037927 |
| Map Reference | DOC 9744238 |
| Instrument Date | Jul 28, 2022 |
| Instrument | 2022037927 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2023 |
| Title Company | SECURITY TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 14728 SETTERS RD, CARMEL, IN 46033-9431 |
| Document Number | 0000037928 |
|---|---|
| Date | Aug 1, 2022 |
| Instrument | 2022037928 |
| Name | RUOFF MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | May 11, 2020 |
| Property Address | 14728 SETTERS RD, CARMEL, IN 46033-9431 |
| Document Number | 2020027130 |
| Map Reference | DOC 9744238 |
| Instrument Date | May 1, 2020 |
| Instrument | 2020027130 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14728 SETTERS RD, CARMEL, IN 46033-9431 |
| Document Number | 2020027131 |
|---|---|
| Date | May 11, 2020 |
| Instrument | 2020027131 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | May 2, 2018 |
| Property Address | 14728 SETTERS RD, CARMEL, IN 46033-9431 |
| Document Number | 2018018732 |
| Map Reference | DOC9744238 |
| Instrument Date | Apr 30, 2018 |
| Instrument | 2018018732 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 14728 SETTERS RD, CARMEL, IN 46033-9431 |
| Investor | Possibly a Property Investor |
| Document Number | 2018018733 |
|---|---|
| Date | May 2, 2018 |
| Instrument | 2018018733 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 14728 Setters Rd was $3,523, up 0.1% from the year before.
Source: Hamilton County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Westfield Washington Township |
| Municipality | Westfield City |
| Unified School District | Westfield-Washington Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,523.00 (+0.11%) | $338,900 (+8.21%) Land $85,000 Building $253,900 | $338,900 (+8.21%) Land $85,000 Building $253,900 |
| 2024 | $3,519.00 (+3.29%) | $313,200 (+3.85%) Land $59,500 Building $253,700 | $313,200 (+3.85%) Land $59,500 Building $253,700 |
| 2023 | $3,407.00 (+11.78%) Homeowner's exemption | $301,600 (+13.64%) Land $59,500 Building $242,100 | $301,600 (+13.64%) Land $59,500 Building $242,100 |
| 2022 | $3,048.00 (+11.2%) Homeowner's exemption | $265,400 Land $59,500 Building $205,900 | $265,400 Land $59,500 Building $205,900 |
| 2021 | $2,741.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14728 Setters Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2022 · rainfall accumulation |
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 14728 Setters 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 98% of the US · lower than 85% 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 | CITIZENS WATER OF WESTFIELD, LLC private · serves 61,493 people · EPA ID IN5229009 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 271 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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