9897 Cedar Point Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 9897 Cedar Point Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,444 sqft · built 1986
Lot Size	0.83 acres (36,155 sqft)
Owner	Individual Name on Record
Tax Bill	$3,749 (2024)
Deeds & Mortgages	Mar 2024 Transfer Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-10-301-036.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-10-301-036.000-018`
Alternative APNs	`291310301036000034` `1713100301036000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,444 sqft Living Area
1st Floor Area	1,444 sqft
2nd Floor Area	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	36,155 sqft (0.83 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1713100301036000
Old Parcel Number	291310301036000034
Street Address	9897 CEDAR POINT DR
City	CARMEL
State	IN
Zip	46032-9597
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .83, SECTION 10, TOWNSHIP 17, RANGE 3, CEDAR POINT, LOT 83
Legal Range	03
Legal Township	17
Legal Section	10
Legal Subdivision	CEDAR POINT
Legal Lot Number	83
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1007
Census Tract	111103

Owner

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	Individual Name on Record
Mailing Address	9897 CEDAR POINT DR, CARMEL, IN 46032-9597
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Affidavit of Death of Joint Tenant, Transfer
Jul 26, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST MERCHANTS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2024
Deed Sale	Mar 15, 2024
Prior Sale	Jun 20, 2001
Deed Document Number	2024008892
Record Updated	Jun 8, 2026

March 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HAMILTON IN
Recording Date	Mar 15, 2024
Property Address	9897 CEDAR POINT DR, CARMEL, IN 46032-9597
Document Number	0000008892
Map Reference	MB 6 PG 131
Instrument Date	Mar 13, 2024
Instrument	2024008892
Transaction Type	Transfer
Record Updated	Apr 17, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9897 CEDAR POINT DR, CARMEL, IN 46032-9597

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9897 CEDAR POINT DR, CARMEL, IN 46032-9597
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9897 CEDAR POINT DR, CARMEL, IN 46032-9597

Mortgage

Document Number	2021053984
Date	Jul 26, 2021
Instrument	2021053984

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	10210

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2051

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		$391,300 (+12.35%) Land $90,700 Building $300,600	$391,300 (+12.35%) Land $90,700 Building $300,600
2024	$3,749.00 (+9.17%)	$348,300 (+4.94%) Land $90,700 Building $257,600	$348,300 (+4.94%) Land $90,700 Building $257,600
2023	$3,434.00 (+8.77%)	$331,900 (+18.32%) Land $90,700 Building $241,200	$331,900 (+18.32%) Land $90,700 Building $241,200
2022	$3,157.00	$280,500 Land $78,300 Building $202,200	$280,500 Land $78,300 Building $202,200

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
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 97% of the US · lower than 78% 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 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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