463 Rayle Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 463 Rayle Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,675 sqft · built 2021
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$1,293,252 (Aug 2023)
Tax Bill	$13,037 (2024)
Deeds & Mortgages	Aug 2023 Sale Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-34-016-010.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-34-016-010.000-018`
Alternative APN	`1709340016010000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	3,675 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	825 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709340016010000
Street Address	463 RAYLE DR
City	CARMEL
State	IN
Zip	46032-6337
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .10, SECTION 34, TOWNSHIP 18, RANGE 3, THE HAMLET AT JACKSONS GRANT, SECTION 2, LOT 32, IRREGULAR SHAPE
Legal Lot Number	32
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3021
Census Tract	111009

Owner

Source: Hamilton County records, as of March 5, 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	463 RAYLE DR, CARMEL, IN 46032-6337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Nov 30, 2021	Warranty Deed, Transfer · Commercial Mortgage CENTIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2023 · Amount on Record
Deed Sale	Aug 1, 2023 · Amount on Record
Prior Sale	Nov 30, 2021 · Amount on Record
Deed Document Number	2023029084
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 1, 2023
Property Address	463 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000029084
Map Reference	DOC 2020071814
Instrument Date	Jul 28, 2023
Instrument	2023029084
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 RAYLE DR, CARMEL, IN 46032-6337

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 30, 2021
Property Address	463 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000085831
Instrument Date	Nov 23, 2021
Instrument	2021085831
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	INDIANA HOME TITLE LLC, INDIANA HOME TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4631 LISBORN DR, CARMEL, IN 46033-2200
Investor	Possibly a Property Investor

Mortgage

Document Number	0000085832
Date	Nov 30, 2021
Instrument	2021085832

Lender

Name	CENTIER BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 23, 2022

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		$1,207,400 (+18.03%) Land $200,500 Building $1,006,900	$1,207,400 (+18.03%) Land $200,500 Building $1,006,900
2024	$13,037.00 (+11.32%)
2023	$11,711.00 (+143.22%)	$1,023,000 (+190.87%) Land $200,500 Building $822,500	$1,023,000 (+190.87%) Land $200,500 Building $822,500
2022	$4,815.00	$351,700 Land $115,200 Building $236,500	$351,700 Land $115,200 Building $236,500

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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 97% of the US · lower than 78% 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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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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