470 Rayle Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 470 Rayle Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,701 sqft · built 2021
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$107,906 (Apr 2021)
Tax Bill	$9,642 (2024)
Deeds & Mortgages	Jun 2022 Mortgage Aug 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-34-016-007.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-34-016-007.000-018`
Alternative APN	`1709340016007000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	2,701 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	609 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709340016007000
Street Address	470 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 29
Legal Lot Number	29
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3021
Census Tract	111009

Owner

470 Rayle Dr is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	470 RAYLE DR, CARMEL, IN 46032-6337
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
Jun 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Aug 4, 2022	Deed of Trust, Mortgage · Line of Credit STATE BANK
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit STATE BANK
Apr 30, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE BANK
Apr 30, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021 · Amount on File
Deed Sale	Apr 30, 2021 · Amount on File
Prior Sale	Apr 30, 2021 · Amount on File
Deed Document Number	2021032870
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	470 RAYLE DR, CARMEL, IN 46032-6337
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029200
Date	Jun 10, 2022
Instrument	2022029200

Lender

Name	STATE BANK
Type	Bank
Address	BROWNSBURG, IN 46112

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	470 RAYLE DR, CARMEL, IN 46032-6337
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 RAYLE DR, CARMEL, IN 46032-6337

Mortgage

Document Number	0000038513
Date	Aug 4, 2022
Instrument	2022038513

Lender

Name	STATE BANK
Type	Bank
Address	BROWNSBURG, IN 46112

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Jun 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	470 RAYLE DR, CARMEL, IN 46032-6337
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 RAYLE DR, CARMEL, IN 46032-6337

Mortgage

Document Number	0000030205
Date	Jun 16, 2022
Instrument	2022030205

Lender

Name	STATE BANK
Type	Bank
Address	BROWNSBURG, IN 46112

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 30, 2021
Property Address	470 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000032870
Map Reference	CAB 6 SL 6
Instrument Date	Apr 23, 2021
Instrument	2021032870
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount 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	470 RAYLE DR, CARMEL, IN 46032-6337

Mortgage

Document Number	0000032871
Date	Apr 30, 2021
Instrument	2021032871

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 23, 2022

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 30, 2021
Property Address	470 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000032869
Map Reference	MB 6 PG 6
Instrument Date	Feb 23, 2021
Instrument	2021032869
Transaction Type	Transfer
Record Updated	Feb 7, 2023

Transaction

Amount	Amount 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	1516 MANSFIELD CT, GREENWOOD, IN 46143-7875

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		$892,500 Land $200,500 Building $692,000	$892,500 Land $200,500 Building $692,000
2024	$9,642.00 (+10.51%)
2023	$8,725.00 (+198.29%)	$767,000 (+186.41%) Land $200,500 Building $566,500	$767,000 (+186.41%) Land $200,500 Building $566,500
2022	$2,925.00	$267,800 Land $115,200 Building $152,600	$267,800 Land $115,200 Building $152,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 470 Rayle Dr 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 470 Rayle Dr 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 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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