Hamilton County property record for 21 Harrowgate Dr, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,058 sqft · built 1965 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,284 (2024) |
| Deeds & Mortgages | Nov 2025 Line of Credit Apr 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-30-202-015.000-018 |
| Primary APN | 29-10-30-202-015.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,058 sqft Living Area |
| 1st Floor Area | 1,348 sqft |
| 2nd Floor Area | 1,110 sqft |
| Basement Area | 928 sqft |
| Finished Basement | 600 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Stone |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 152 ft deep x 103 ft wide |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Other |
| Sewer | Connected |
| Account Number | 1610300202015000 |
|---|---|
| Street Address | 21 HARROWGATE DR |
| City | CARMEL |
| State | IN |
| Zip | 46033-1901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .00, SECTION 30, TOWNSHIP 18, RANGE 4, HARROWGATE, SECTION 3, LOT 219, IRREGULAR SHAPE |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 30 |
| Legal Subdivision | CARMEL HARROWGATE |
| Legal Lot Number | 219 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 110907 |
Source: Hamilton County records, as of March 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 21 HARROWGATE DR, CARMEL, IN 46033-1901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2025 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN |
| Apr 19, 2022 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 31, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| May 20, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2015 |
| Deed Sale | Jul 16, 2015 |
| Deed Document Number | 2015036332 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 21 HARROWGATE DR, CARMEL, IN 46033-1901 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2025 |
| Name | Verified Name |
|---|---|
| Address | 21 HARROWGATE DR, CARMEL, IN 46033-1901 |
| Document Number | 0000051082 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 2025051082 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 25, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 21 HARROWGATE DR, CARMEL, IN 46033-1901 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2022 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 0000019635 |
|---|---|
| Date | Apr 19, 2022 |
| Instrument | 2022019635 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 21 HARROWGATE DR, CARMEL, IN 46033-1901 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020058970 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | 2020058970 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 305 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 21 HARROWGATE DR, CARMEL, IN 46033-1901 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Title Company | COMMUNITIES TITLE COMPANY, COMMUNITY TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 2021037684 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 2021037684 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Mar 1, 2046 |
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 | $441,100 (+2.32%) Land $136,500 Building $304,600 | $441,100 (+2.32%) Land $136,500 Building $304,600 | |
| 2024 | $4,284.00 (+30.09%) | $431,100 (+19.12%) Land $136,500 Building $294,600 | $431,100 (+19.12%) Land $136,500 Building $294,600 |
| 2023 | $3,293.00 (+16.61%) | $361,900 (+21.16%) Land $90,600 Building $271,300 | $361,900 (+21.16%) Land $90,600 Building $271,300 |
| 2022 | $2,824.00 | $298,700 Land $90,600 Building $208,100 | $298,700 Land $90,600 Building $208,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 5 (2013–2019) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Jun 2019 · 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.
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 223 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 |
| On-Ramp Indiana Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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