9935 Cedar Rdg Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 9935 Cedar Rdg Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,964 sqft · built 1980
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,593 (2024)
Deeds & Mortgages	Oct 2017 Mortgage Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-13-10-301-020.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-10-301-020.000-018`
Alternative APNs	`291310301020000034` `1713100301020000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,964 sqft Living Area
1st Floor Area	1,665 sqft
2nd Floor Area	1,299 sqft
Basement Area	1,287 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Architectural Style	Other
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)
Lot Dimensions	220 ft deep x 9 ft wide
Garage Type	Attached
Garage Area	759 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1713100301020000
Old Parcel Number	291310301020000034
Street Address	9935 CEDAR RIDGE DR
City	CARMEL
State	IN
Zip	46032-8266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .76, SECTION 10, TOWNSHIP 17, RANGE 3, CEDAR POINT, LOT 34, IRREGULAR SHAPE
Legal Range	03
Legal Township	17
Legal Section	10
Legal Subdivision	CEDAR POINT
Legal Lot Number	34
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1007
Census Tract	111103

Owner

9935 Cedar Rdg Dr is owned and occupied by two individuals who acquired it in August 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	9935 CEDAR RIDGE DR, CARMEL, IN 46032-8266
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
Oct 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jan 17, 2020	Deed of Trust, Mortgage · Line of Credit UNION SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2015
Deed Sale	Aug 21, 2015
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9935 CEDAR RIDGE DR, CARMEL, IN 46032-8266
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051737
Date	Oct 18, 2017
Instrument	2017051737

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	157 Months
Due	Nov 1, 2030

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9935 CEDAR RIDGE DR, CARMEL, IN 46032-8266
Document Number	0000016922
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9935 CEDAR RIDGE DR CARMEL IN 460328266, CARMEL, IN 46032-8266

Mortgage

Document Number	0000016922
Date	Mar 31, 2020
Instrument	16922

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 30, 2030

Interest

Rate Type	Adjustable Rate
Rate	2%

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		$472,500 (+13.61%) Land $89,500 Building $383,000	$472,500 (+13.61%) Land $89,500 Building $383,000
2024	$4,593.00 (+9.41%)	$415,900 (+5.26%) Land $89,500 Building $326,400	$415,900 (+5.26%) Land $89,500 Building $326,400
2023	$4,198.00 (+11.56%) Homeowner's exemption	$395,100 (+18.9%) Land $89,500 Building $305,600	$395,100 (+18.9%) Land $89,500 Building $305,600
2022	$3,763.00 Homeowner's exemption	$332,300 Land $77,300 Building $255,000	$332,300 Land $77,300 Building $255,000

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

Flood

FEMA maps place 9935 Cedar Rdg 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 9935 Cedar Rdg 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 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.

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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