9975 E Lakeshore Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 9975 E Lakeshore Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,096 sqft · built 1980
Lot Size	0.389 acres (16,988 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,992 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-14-08-302-003.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-08-302-003.000-018`
Alternative APN	`1614080302003000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,096 sqft Living Area
1st Floor Area	1,348 sqft
2nd Floor Area	748 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	16,988 sqft (0.389 acres)
Lot Dimensions	170 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1614080302003000
Street Address	9975 E LAKESHORE DR
City	CARMEL
State	IN
Zip	46033-4148
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .39, SECTION 8, TOWNSHIP 17, RANGE 4, BRIAR LANE ESTATES, SECTION 2, LOT 62, IRREGULAR SHAPE
Legal Range	04
Legal Township	17
Legal Section	08
Legal Subdivision	BRIAR LANE ESTATE
Legal Block	2
Legal Lot Number	62
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3014
Census Tract	111101

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	2 Individual Names on Record
Mailing Address	9975 E LAKESHORE DR, CARMEL, IN 46033-4148
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK
Aug 13, 2020	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage ADVISORS MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Jul 27, 2026
Property Address	9975 E LAKESHORE DR, CARMEL, IN 46033-4148
Document Number	0000033696
Instrument Date	Jul 18, 2026
Instrument	202633696
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9975 E LAKESHORE DR, CARMEL, IN 46033-4148

Mortgage

Document Number	0000033696,
Date	Jul 27, 2026
Instrument	202633696

Lender

Name	BMO HARRIS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2056

Interest

Rate	6.47%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9975 E LAKESHORE DR, CARMEL, IN 46033-4148
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054351
Date	Aug 13, 2020
Instrument	2020054351

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	9975 E LAKESHORE DR, CARMEL, IN 46033-4148
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046627
Date	Jul 21, 2020
Instrument	2020046627

Lender

Name	ADVISORS MORTGAGE GROUP LLC
Type	Mortgage Company
Address	ASBURY PARK, NJ 07712

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

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		$393,200 (+6.91%) Land $145,900 Building $247,300	$393,200 (+6.91%) Land $145,900 Building $247,300
2024	$3,992.00 (+23.86%)	$367,800 (+17.06%) Land $145,900 Building $221,900	$367,800 (+17.06%) Land $145,900 Building $221,900
2023	$3,223.00 (+4.14%)	$314,200 (+12.13%) Land $69,200 Building $245,000	$314,200 (+12.13%) Land $69,200 Building $245,000
2022	$3,095.00	$280,200 Land $69,200 Building $211,000	$280,200 Land $69,200 Building $211,000

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · rainfall accumulation

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 99.1% of the US · lower than 94% 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 191 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 in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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