497 E 116th St, Carmel, IN 46032 Property Records

Hamilton County property record for 497 E 116th St, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1962
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Tax Bill	$2,373 (2024)
Deeds & Mortgages	Mar 2017 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-02-201-005.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-02-201-005.000-018`
Alternative APN	`1713020201005000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,484 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2005
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	180 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1713020201005000
Street Address	497 E 116TH ST
City	CARMEL
State	IN
Zip	46032-4525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 2, TOWNSHIP 17, RANGE 3, NORTHERN HEIGHTS, LOT 5
Legal Range	03
Legal Township	17
Legal Section	02
Legal Subdivision	NORTHERN HEIGHTS
Legal Lot Number	5
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2014
Census Tract	111006

Owner

Source: Hamilton County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Mailing Address	497 E 116TH ST, CARMEL, IN 46032-4525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2017	Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK NA
Jun 11, 2020	Deed of Trust, Mortgage BETTER MTG CORP ISAOA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 4, 2024
Deed Sale	Nov 4, 2024
Prior Sale	Aug 28, 2015
Deed Document Number	2024042126
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	497 E 116TH ST, CARMEL, IN 46032-4525
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017009646
Date	Mar 7, 2017
Instrument	2017009646

Lender

Name	HORIZON BANK NA
Type	Bank
Address	INDIANAPOLIS, IN 46204

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	497 E 116TH ST, CARMEL, IN 46032-4525
Document Number	0000038417
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Aug 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	497 E 116TH ST CARMEL IN 460324525, CARMEL, IN 46032-4525

Mortgage

Document Number	0000038417
Date	Jun 22, 2020
Instrument	38417

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 21, 2035

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		$258,300 (+9.68%) Land $75,900 Building $182,400	$258,300 (+9.68%) Land $75,900 Building $182,400
2024	$2,373.00 (+3.94%)
2023	$2,283.00 (-25.71%)	$235,500 (-13.16%) Land $75,900 Building $159,600	$235,500 (-13.16%) Land $75,900 Building $159,600
2022	$3,073.00	$271,200 Land $55,900 Building $215,300	$271,200 Land $55,900 Building $215,300

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

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
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

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

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 Holdings 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 USA Fixed Wireless	100 / 20

May also be available: Xfinity.

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