475 Rayle Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 475 Rayle Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,408 sqft · built 2022
Lot Size	0.1 acres (4,356 sqft)
Owner	Trust Name on File
Tax Bill	$11,404 (2024)
Deeds & Mortgages	Jul 2024 Transfer Jul 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-34-016-013.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-34-016-013.000-018`
Alternative APN	`1709340016013000`

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	3,408 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709340016013000
Street Address	475 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 35, IRREGULAR SHAPE
Legal Lot Number	35
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3021
Census Tract	111009

Owner

475 Rayle Dr is owner-occupied and held in a trust since July 2024.

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

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	475 RAYLE DR, CARMEL, IN 46032-6337
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jul 25, 2024	Intrafamily Transfer, Transfer
Jul 2, 2024	Warranty Deed, Transfer
Sep 14, 2021	Warranty Deed, Transfer
Sep 14, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST INTERNET BANK OF INDIANA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2024
Deed Sale	Jul 25, 2024
Prior Sale	Jul 2, 2024 · Amount on File
Deed Document Number	2024026784
Record Updated	Jun 8, 2026

July 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Jul 25, 2024
Property Address	475 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000026784
Map Reference	DOC 2020071814
Instrument Date	Jul 15, 2024
Instrument	2024026784
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 RAYLE DR, CARMEL, IN 46032-6337

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 2, 2024
Property Address	475 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000023515
Map Reference	DOC 2020071814
Instrument Date	Jun 27, 2024
Instrument	2024023515
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 RAYLE DR, CARMEL, IN 46032-6337

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 14, 2021
Property Address	475 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000067140
Instrument Date	Sep 14, 2021
Instrument	2021067140
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4631 LISBON DRIVE, CARMEL, IN 46033-2200
Investor	Possibly a Property Investor

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 14, 2021
Property Address	475 RAYLE DR, CARMEL, IN 46032-6337
Document Number	0000067141
Map Reference	CAB 6 SL 6
Instrument Date	Sep 14, 2021
Instrument	2021067141
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1326 CENTRAL AVE, INDIANAPOLIS, IN 46202-2616

Mortgage

Document Number	0000067142
Date	Sep 14, 2021
Instrument	2021067142

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Oct 1, 2052

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		$1,068,300 (+7.82%) Land $185,600 Building $882,700	$1,068,300 (+7.82%) Land $185,600 Building $882,700
2024	$11,404.00 (+10.3%)	$990,800 (+9.43%) Land $185,600 Building $805,200	$990,800 (+9.43%) Land $185,600 Building $805,200
2023	$10,339.00 (+1,150.18%)	$905,400 (+748.55%) Land $185,600 Building $719,800	$905,400 (+748.55%) Land $185,600 Building $719,800
2022	$827.00	$106,700 Land $106,700	$106,700 Land $106,700

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

Flood

FEMA maps place 475 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 475 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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