9777 Ditch Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 9777 Ditch Rd, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,586 sqft · built 1982
Lot Size	5.09 acres (221,938 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Jul 2018)
Tax Bill	$8,968 (2024)
Deeds & Mortgages	Feb 2022 Line of Credit Dec 2021 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-10-000-042.002-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-10-000-042.002-018`
Alternative APNs	`291310000042002034` `1713100000042002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,586 sqft Living Area
Gross Area	3,297 sqft
1st Floor Area	2,769 sqft
Basement Area	183 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	221,938 sqft (5.09 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	9777 DITCH RD
City	CARMEL
State	IN
Zip	46032-8897
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 5.10, SECTION 10, TOWNSHIP 17, RANGE 3
Legal Range	03
Legal Township	17
Legal Section	10
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1018
Census Tract	111103

Owner

Source: Hamilton County records, as of March 16, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	9777 DITCH RD, CARMEL, IN 46032-8897
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK
Dec 28, 2021	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE CITY BANK
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE CITY BANK
Mar 10, 2020	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE CITY BANK
Nov 19, 2019	Deed of Trust, Mortgage SOFI LNDG
Jul 12, 2018	Trustee's Deed, Foreclosure · Conventional Mortgage FIRST INTERNET BANK OF INDIANA
Jun 19, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2018 · Amount on Record
Deed Sale	Jul 12, 2018 · Amount on Record
Prior Sale	May 23, 2013 · Amount on Record
Deed Document Number	201831608
Prior Transfer Date	Jun 28, 2018
Prior Transfer Doc	0000031608
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9777 DITCH RD, CARMEL, IN 46032-8897
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9777 DITCH RD, CARMEL, IN 46032-8897

Mortgage

Document Number	0000007718
Date	Feb 14, 2022
Instrument	2022007718

Lender

Name	LAKE CITY BANK
Type	Bank
Address	16581

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9777 DITCH RD, CARMEL, IN 46032-8897
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9777 DITCH RD, HARVEYSBURG, OH 45032

Mortgage

Document Number	0000092404
Date	Dec 28, 2021
Instrument	2021092404

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	7 Months
Due	Jun 30, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9777 DITCH RD, CARMEL, IN 46032-8897
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019517
Date	Mar 12, 2021
Instrument	2021019517

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46580

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9777 DITCH RD, CARMEL, IN 46032-8897
Transaction Type	Mortgage
Record Updated	Apr 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021019517
Date	Mar 12, 2021
Instrument	2021019517

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46580

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9777 DITCH RD, CARMEL, IN 46032-8897
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012601
Date	Mar 10, 2020
Instrument	2020012601

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9777 DITCH RD, CARMEL, IN 46032-8897
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036345
Date	Jun 12, 2020
Instrument	2020036345

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46580

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9777 DITCH RD, CARMEL, IN 46032-8897
Document Number	0000000893
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	MERIDIAN NATIONAL TITLE, MERIDIAN NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9777 DITCH RD CARMEL IN 460328897, CARMEL, IN 46032-8897

Mortgage

Document Number	0000000893
Date	Jan 7, 2020
Instrument	893

Lender

Name	SOFI LNDG
Address	COTTONWOOD HEIGHTS, UT 84121

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2050

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 12, 2018
Property Address	9777 DITCH RD, CARMEL, IN 46032-8897
Document Number	2018031608
Instrument Date	Jun 28, 2018
Instrument	2018031608
Transaction Type	Foreclosure
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 DICTH RD, CARMEL, IN 46032

Mortgage

Document Number	2018031609
Date	Jul 12, 2018
Instrument	2018031609

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 19, 2018
Property Address	9777 DITCH RD, CARMEL, IN 46032-8897
Document Number	0000026955
Instrument Date	Feb 17, 2017
Instrument	26955
Transaction Type	Transfer
Record Updated	Jul 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9777 DITCH RD CARMEL IN 460328897, CARMEL, IN 46032-8897

Tax Assessment & Valuation

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		$661,300 (+4.29%) Land $410,400 Building $250,900	$661,300 (+4.29%) Land $410,400 Building $250,900
2024	$8,968.00 (+1.15%)
2023	$8,866.00 (-0.42%) Homeowner's exemption	$634,100 (+5.09%) Land $410,400 Building $223,700	$634,100 (+5.09%) Land $410,400 Building $223,700
2022	$8,903.00 Homeowner's exemption	$603,400 Land $410,400 Building $193,000	$603,400 Land $410,400 Building $193,000

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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

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

Wildfire Risk	Low lower than 95% of the US · lower than 68% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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