Hamilton County property record for 524 Cedar Lake Ct, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,507 sqft · built 1985 |
| Lot Size | 0.719 acres (31,363 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $285,000 (Dec 2017) |
| Tax Bill | $5,053 (2024) |
| Deeds & Mortgages | Jan 2022 Line of Credit May 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-24-104-007.000-018 |
| Primary APN | 29-09-24-104-007.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 2,507 sqft Living Area |
| 1st Floor Area | 1,072 sqft |
| 2nd Floor Area | 1,085 sqft |
| Attic | Attic |
| Attic Area | 484 sqft |
| Basement Area | 528 sqft |
| Finished Basement | 350 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 31,363 sqft (0.719 acres) |
| Lot Dimensions | 225 ft deep x 79 ft wide |
| Terrain | Low |
| Garage Type | Mixed |
| Garage Area | 720 sqft |
| Parking Spaces | 7 Parking Spaces |
| Pool Area | 648 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 1609240104007000 |
|---|---|
| Street Address | 524 CEDAR LAKE CT |
| City | CARMEL |
| State | IN |
| Zip | 46032-5220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .72, SECTION 24, TOWNSHIP 18, RANGE 3, CEDAR LAKE, LOT 7 |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 24 |
| Legal Subdivision | CARMEL CEDAR LAKE |
| Legal Lot Number | 7 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 110906 |
Source: Hamilton County records, as of March 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Trust Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 524 CEDAR LAKE CT, CARMEL, IN 46032-5220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 7, 2022 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| May 28, 2020 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Mar 12, 2018 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Mar 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Dec 7, 2017 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2017 · Amount on Record |
| Deed Sale | Dec 7, 2017 · Amount on Record |
| Prior Sale | Oct 1, 2004 |
| Deed Document Number | 2017060244 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 524 CEDAR LAKE CT, CARMEL, IN 46032-5220 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 524 CEDAR LAKE CT, CARMEL, IN 46032-5220 |
| Document Number | 0000001216 |
|---|---|
| Date | Jan 7, 2022 |
| Instrument | 2022001216 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 20, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 524 CEDAR LAKE CT, CARMEL, IN 46032-5220 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020031677 |
|---|---|
| Date | May 28, 2020 |
| Instrument | 2020031677 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 12, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 524 CEDAR LAKE CT, CARMEL, IN 46032-5220 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018009787 |
|---|---|
| Date | Mar 12, 2018 |
| Instrument | 2018009787 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 16, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 524 CEDAR LAKE CT, CARMEL, IN 46032-5220 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Title Company | AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|
| Document Number | 2020014770 |
|---|---|
| Date | Mar 19, 2020 |
| Instrument | 2020014770 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Dec 7, 2017 |
| Property Address | 524 CEDAR LAKE CT, CARMEL, IN 46032-5220 |
| Document Number | 2017060244 |
| Map Reference | MB12 PG12-14 |
| Instrument Date | Nov 15, 2017 |
| Instrument | 2017060244 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 524 CEDAR LAKE CT, CARMEL, IN 46032-5220 |
| Document Number | 2017060245 |
|---|---|
| Date | Dec 7, 2017 |
| Instrument | 2017060245 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2047 |
Source: Hamilton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $489,100 (+8.91%) Land $130,000 Building $359,100 | $489,100 (+8.91%) Land $130,000 Building $359,100 | |
| 2024 | $5,053.00 (-4.55%) | $449,100 (-0.38%) Land $130,000 Building $319,100 | $449,100 (-0.38%) Land $130,000 Building $319,100 |
| 2023 | $5,294.00 (+5.37%) Homeowner's exemption | $450,800 (+13.21%) Land $130,000 Building $320,800 | $450,800 (+13.21%) Land $130,000 Building $320,800 |
| 2022 | $5,024.00 Homeowner's exemption | $398,200 Land $130,000 Building $268,200 | $398,200 Land $130,000 Building $268,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Jun 1978 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 85% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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