968 Kinzer Ave, Carmel, IN 46032 Property Records

Hamilton County property record for 968 Kinzer Ave, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,120 sqft · built 2020
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$307,040 (Aug 2026)
Tax Bill	$5,654 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-31-005-008.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-31-005-008.000-018`
Alternative APN	`1610310005008000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,120 sqft Living Area
Gross Area	1,584 sqft
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Condo/Apartment
Construction Type	Frame
Roof Material	Asphalt
Lot Area	1,307 sqft (0.03 acres)
Garage Type	Attached
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	968 KINZER AVE
City	CARMEL
State	IN
Zip	46032-3347
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .03, SECTION 31, TOWNSHIP 18, RANGE 4, GRAMERCY WEST, SECTION 1, LOT 8
Legal Range	04
Legal Township	18
Legal Section	31
Legal Subdivision	GRAMERCY WEST SECTION 1
Legal Lot Number	8
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2000
Census Tract	111007

Owner

968 Kinzer Ave, a condominium, is owned and occupied by an individual who bought it in August 2026.

Source: Hamilton County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	968 KINZER AVE, CARMEL, IN 46032-3347
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
Aug 13, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME LENDING
Aug 13, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME LENDING
Jan 3, 2023	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Sep 17, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 27, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2026 · Amount on File
Deed Sale	Aug 13, 2026 · Amount on File
Prior Sale	Jan 3, 2023 · Amount on File
Deed Document Number	202636814
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 13, 2026
Property Address	968 KINZER AVE, CARMEL, IN 46032-3347
Document Number	0000036814
Instrument Date	Aug 6, 2026
Instrument	202636814
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	968 KINZER AVE, CARMEL, IN 46032-3347

Mortgage

Document Number	0000036815,
Date	Aug 13, 2026
Instrument	202636815

Lender

Name	HOME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 13, 2026
Property Address	968 KINZER AVE, CARMEL, IN 46032-3347
Document Number	0000036814
Instrument Date	Aug 6, 2026
Instrument	202636814
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	968 KINZER AVE, CARMEL, IN 46032-3347

Mortgage

Document Number	0000036815,
Date	Aug 13, 2026
Instrument	202636815

Lender

Name	HOME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jan 3, 2023
Property Address	968 KINZER AVE, CARMEL, IN 46032-3347
Document Number	0000000121
Instrument Date	Dec 29, 2022
Instrument	2023000121
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10361 WHDEMERCE, CARMEL, IN 46032

Mortgage

Document Number	0000000122
Date	Jan 3, 2023
Instrument	2023000122

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Index	Other
Margin	3
Max Rate	11.5%

September 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 17, 2020
Property Address	968 KINZER AVE, CARMEL, IN 46032-3347
Document Number	0000064466
Instrument Date	Sep 11, 2020
Instrument	2020064466
Transaction Type	Subdivision Related Transfer
Record Updated	May 19, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	968 KINZER AVE, CARMEL, IN 46032-3347

Mortgage

Document Number	0000064467
Date	Sep 17, 2020
Instrument	2020064467

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAMILTON IN
Recording Date	Mar 27, 2020
Property Address	968 KINZER AVE, CARMEL, IN 46032-3347
Document Number	0000016274
Instrument Date	Mar 9, 2020
Instrument	16274
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1111 N POST OAK RD HOUSTON TX 770557310, HOUSTON, TX 77055-7310
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 968 Kinzer Ave was $5,654 with a homeowner's exemption, down 1.7% from the year before.

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	$5,654.00 (-1.72%)	$298,300 Land $88,200 Building $210,100	$298,300 Land $88,200 Building $210,100
2024	$5,753.00 (+6.09%)
2023	$5,423.00 (+113.76%)	$269,000 (+12.6%) Land $88,200 Building $180,800	$269,000 (+12.6%) Land $88,200 Building $180,800
2022	$2,537.00	$238,900 Land $88,200 Building $150,700	$238,900 Land $88,200 Building $150,700

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

Flood

FEMA maps place 968 Kinzer Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.

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
Nearby Flood Claims	5 (2011–2015)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2015 · other causes

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

The area around 968 Kinzer Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 277 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, DSL 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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