471 Rayle Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 471 Rayle Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,470 sqft · built 2022
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Tax Bill	$13,909 (2024)
Deeds & Mortgages	Sep 2026 Sale Sep 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-34-016-012.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-34-016-012.000-018`
Alternative APN	`1709340016012000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	3,470 sqft Living Area
Gross Area	4,430 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Brick
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	471 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 34, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	34
Legal Subdivision	THE HAMLET AT JACKSONS GRANT SECTION 2
Legal Lot Number	34
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3021
Census Tract	111009

Owner

Source: Hamilton County records, as of September 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8960 BAY COLONY DR, 1802, NAPLES, FL 34108-0768
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 22, 2022	Deed of Trust, Mortgage · Line of Credit FIRST INTERNET BANK OF INDIANA
Jul 14, 2023	Warranty Deed, Transfer
Jun 10, 2022	Warranty Deed, Transfer INDIANA HOME TITLE LLC, INDIANA HOME TITLE
Jan 5, 2022	Warranty Deed, Transfer
Jan 5, 2022	Warranty Deed, Transfer · Conventional Mortgage THE STATE BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2026
Deed Sale	Sep 10, 2026
Prior Sale	Jul 14, 2023 · Amount on Record
Deed Document Number	202641998
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 10, 2026
Property Address	471 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000041998
Instrument Date	Sep 8, 2026
Instrument	202641998
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8960 BAY COLONY DR, 1802, NAPLES, FL 34108-0768

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	471 RAYLE DR, CARMEL, IN 46032-6337
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000046621
Date	Sep 22, 2022
Instrument	2022046621

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank
Address	FISHERS, IN 46038

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	19 Months
Due	Mar 31, 2024

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 14, 2023
Property Address	471 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000026338
Map Reference	DOC 2020071814
Instrument Date	Jul 14, 2023
Instrument	2023026338
Transaction Type	Transfer
Record Updated	Dec 22, 2023

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	471 RAYLE DR, CARMEL, IN 46032-6337

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 10, 2022
Property Address	471 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000028999
Map Reference	CAB6SL6DOC2020071814
Instrument Date	Jun 9, 2022
Instrument	2022028999
Transaction Type	Transfer
Record Updated	Dec 22, 2023
Title Company	INDIANA HOME TITLE LLC, INDIANA HOME TITLE

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

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jan 5, 2022
Property Address	471 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000000786
Map Reference	CAB 6 SL 6
Instrument Date	Dec 30, 2021
Instrument	2022000786
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

Amount	Amount Recorded
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

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jan 5, 2022
Property Address	471 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000000787
Map Reference	CAB 6 SL 6
Instrument Date	Dec 30, 2021
Instrument	2022000787
Transaction Type	Transfer
Record Updated	Dec 22, 2023
Title Company	INDIANA HOME TITLE LLC, INDIANA HOME TITLE INS

Transaction

Amount	Amount Recorded
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	2400 CURTIS AVE, REDONDO BEACH, CA 90278-2104

Mortgage

Document Number	0000000789
Date	Jan 5, 2022
Instrument	2022000789

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2037
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	4.75%
Index	1-Year CMT
Max Rate	8.75%

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

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		$1,297,100 (+159.63%) Land $200,500 Building $1,096,600	$1,297,100 (+159.63%) Land $200,500 Building $1,096,600
2024	$13,909.00 (+154.65%)
2023	$5,462.00 (+129.88%)	$499,600 (+333.68%) Land $200,500 Building $299,100	$499,600 (+333.68%) Land $200,500 Building $299,100
2022	$2,376.00 (+19,7%)	$115,200 Land $115,200	$115,200 Land $115,200
2021	$12.00

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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