9727 Summerlakes Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 9727 Summerlakes Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 4,527 sqft · built 1995
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on File
Tax Bill	$9,073 (2024)
Deeds & Mortgages	Apr 2021 Line of Credit Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-09-001-083.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-09-001-083.000-018`
Alternative APNs	`291309001083000034` `1713090001083000`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	21 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,527 sqft Living Area
1st Floor Area	2,552 sqft
2nd Floor Area	1,408 sqft
Basement Area	695 sqft
Finished Basement	567 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2003
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	50,094 sqft (1.15 acres)
Garage Type	Attached
Garage Area	833 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1713090001083000
Old Parcel Number	291309001083000034
Street Address	9727 SUMMERLAKES DR
City	CARMEL
State	IN
Zip	46032-9398
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 1.15, SECTION 9, TOWNSHIP 17, RANGE 3, SUMMERLAKES, LOT 37
Legal Range	03
Legal Township	17
Legal Section	09
Legal Subdivision	SUMMERLAKES
Legal Lot Number	37
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1016
Census Tract	111103

Owner

9727 Summerlakes Dr is owned and occupied by an individual who acquired it in November 2018.

Source: Hamilton County records, as of March 4, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	9727 SUMMERLAKES DR, CARMEL, IN 46032-9398
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
Apr 6, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Sep 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Aug 12, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 7, 2018	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2018
Deed Sale	Nov 7, 2018
Prior Sale	Dec 23, 2010
Deed Document Number	2018052498
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9727 SUMMERLAKES DR, CARMEL, IN 46032-9398
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021026427
Date	Apr 6, 2021
Instrument	2021026427

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Feb 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9727 SUMMERLAKES DR, CARMEL, IN 46032-9398
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044660
Date	Sep 17, 2019
Instrument	2019044660

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9727 SUMMERLAKES DR, CARMEL, IN 46032-9398
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036718
Date	Aug 12, 2019
Instrument	2019036718

Lender

Name	PNC BANK NA
Type	Bank
Address	BRECKSVILLE, OH 44141

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 31, 2059

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 7, 2018
Property Address	9727 SUMMERLAKES DR, CARMEL, IN 46032-9398
Document Number	2018052498
Map Reference	MB12 PG155-157
Instrument Date	Oct 31, 2018
Instrument	2018052498
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	CHICAGO TITLE CO LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9727 SUMMERLAKES DR, CARMEL, IN 46032-9398

Mortgage

Document Number	2018052499
Date	Nov 7, 2018
Instrument	2018052499

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

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		$826,000 (+5.24%) Land $185,500 Building $640,500	$826,000 (+5.24%) Land $185,500 Building $640,500
2024	$9,073.00 (+28.62%)	$784,900 (+25.74%) Land $185,500 Building $599,400	$784,900 (+25.74%) Land $185,500 Building $599,400
2023	$7,054.00 (-1.15%) Homeowner's exemption	$624,200 (+0.48%) Land $185,500 Building $438,700	$624,200 (+0.48%) Land $185,500 Building $438,700
2022	$7,136.00 Homeowner's exemption	$621,200 Land $171,700 Building $449,500	$621,200 Land $171,700 Building $449,500

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

Flood

FEMA maps place 9727 Summerlakes Dr in Zone X, an area of minimal flood risk.

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	2 in force

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 9727 Summerlakes Dr 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 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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	1,000 / 75

May also be available: Metronet, T-Mobile.

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