495 E 114th St, Carmel, IN 46032 Property Records

Hamilton County property record for 495 E 114th St, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,858 sqft · built 1964
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$136,200 (Apr 2014)
Tax Bill	$4,469 (2024)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-02-205-011.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-02-205-011.000-018`
Alternative APN	`1713020205011000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,858 sqft Living Area
Gross Area	2,818 sqft
1st Floor Area	1,858 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	180 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	495 E 114TH ST
City	CARMEL
State	IN
Zip	46032-4501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 2, TOWNSHIP 17, RANGE 3, NORTHERN HEIGHTS, LOT 75
Legal Range	03
Legal Township	17
Legal Section	02
Legal Subdivision	NORTHERN HEIGHTS
Legal Lot Number	75
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2008
Census Tract	111006

Owner

495 E 114th St is owned and occupied by an individual who bought it in April 2014.

Source: Hamilton County records, as of July 10, 2026

Owner of Record	Individual Name on File
Mailing Address	495 E 114TH ST, CARMEL, IN 46032-4501
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 29, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Apr 5, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2014 · Amount on File
Deed Sale	Apr 14, 2014 · Amount on File
Deed Document Number	201413519
Prior Transfer Date	Aug 1, 2013
Prior Transfer Doc	0000053431
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Jun 29, 2026
Property Address	495 E 114TH ST, CARMEL, IN 46032-4501
Document Number	0000029054
Instrument Date	Jun 24, 2026
Instrument	202629054
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 E 114TH ST, CARMEL, IN 46032-4501
Investor	Possibly a Property Investor

Mortgage

Document Number	0000029054,
Date	Jun 29, 2026
Instrument	202629054

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.53%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	495 E 114TH ST, CARMEL, IN 46032-4501
Transaction Type	Mortgage
Record Updated	Oct 22, 2021
Title Company	COMMUNITIES TITLE COMPANY, COMMUNITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021025754
Date	Apr 5, 2021
Instrument	2021025754

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	290 Months
Due	Jun 1, 2045

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		$237,300 (+6.89%) Land $76,900 Building $160,400	$237,300 (+6.89%) Land $76,900 Building $160,400
2024	$4,469.00 (-0.13%)	$222,000 (-) Land $76,900 Building $145,100	$222,000 (-) Land $76,900 Building $145,100
2023	$4,475.00 (+2.99%)	$222,000 (+6.22%) Land $76,900 Building $145,100	$222,000 (+6.22%) Land $76,900 Building $145,100
2022	$4,345.00	$209,000 Land $56,600 Building $152,400	$209,000 Land $56,600 Building $152,400

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

Flood

FEMA maps place 495 E 114th St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1986.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	6 (1986–2011)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Jun 2011 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 2 claims

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 495 E 114th St 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 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.

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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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