Hamilton County property record for 5296 Breakers Way, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,506 sqft · built 1995 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,273 (2024) |
| Deeds & Mortgages | Sep 2020 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-27-001-031.000-018 |
| Primary APN | 29-10-27-001-031.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,506 sqft Living Area |
| 1st Floor Area | 1,298 sqft |
| 2nd Floor Area | 1,208 sqft |
| Basement Area | 649 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1610270001031000 |
|---|---|
| Street Address | 5296 BREAKERS WAY |
| City | CARMEL |
| State | IN |
| Zip | 46033-9127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .23, SECTION 27, TOWNSHIP 18, RANGE 4, PLUM CREEK NORTH, SECTION 1, LOT 31 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 27 |
| Legal Subdivision | PLUM CREEK NORTH |
| Legal Block | 1 |
| Legal Lot Number | 31 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 110911 |
5296 Breakers Way is owned and occupied by an individual who acquired it in May 2019.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5296 BREAKERS WAY, CARMEL, IN 46033-9127 |
| 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.
| Date | Document |
|---|---|
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VICTORY MORTGAGE LLC |
| May 16, 2019 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 16, 2019 |
| Deed Sale | May 16, 2019 |
| Deed Document Number | 2019020101 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 5296 BREAKERS WAY, CARMEL, IN 46033-9127 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000065979 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 2020065979 |
| Name | VICTORY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FT MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | May 16, 2019 |
| Property Address | 5296 BREAKERS WAY, CARMEL, IN 46033-9127 |
| Document Number | 2019020101 |
| Map Reference | DOC 944675 |
| Instrument Date | May 15, 2019 |
| Instrument | 2019020101 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Title Company | CHICAGO TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5296 BREAKERS WAY, CARMEL, IN 46033-9127 |
| Document Number | 2019020102 |
|---|---|
| Date | May 16, 2019 |
| Instrument | 2019020102 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2034 |
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 | $419,400 (+7.46%) Land $119,300 Building $300,100 | $419,400 (+7.46%) Land $119,300 Building $300,100 | |
| 2024 | $4,273.00 (+9.93%) | $390,300 (+5.66%) Land $119,300 Building $271,000 | $390,300 (+5.66%) Land $119,300 Building $271,000 |
| 2023 | $3,887.00 (-36.48%) | $369,400 (+23.26%) Land $90,400 Building $279,000 | $369,400 (+23.26%) Land $90,400 Building $279,000 |
| 2022 | $6,119.00 | $299,700 Land $90,400 Building $209,300 | $299,700 Land $90,400 Building $209,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5296 Breakers Way in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 5, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 5296 Breakers Way 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.
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 298 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 DSL · Fiber in parts of the area | 100 / 20 |
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