Hamilton County, Indiana Court Filings Intelligence
Live court-record analysis of property-related filings (foreclosure, probate, divorce, partition, guardianship). Data sourced direct from Hamilton County court dockets. Updated 2026-07-14. See methodology.
About Hamilton County
Hamilton County is a county in the U.S. state of Indiana. The 2020 United States census recorded a population of 347,467. The county seat is Noblesville.
Source: Wikipedia
At a glance
10 verified property-related court filings tracked across 1 months (Jun 2026 to Jun 2026).
#12 of 23 Indiana counties Keystone covers, ranked by total filing volume.
0% of filings involve owners whose mailing address differs from the property address (0 of 10 filings).
$518,166 median estimated property value across the 8 filings with property-enrichment data (80% coverage).
3.2% Indiana unemployment rate (BLS, as of 2026-05). Filings should be read against the local-economy backdrop.
Filing type breakdown
| Filing type | Filings | Share | |
|---|---|---|---|
| Pre-Foreclosure | 6 | 60.0% | |
| Divorce | 4 | 40.0% |
Each row is a distinct case verified for current owner-of-record before inclusion.
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Monthly filing activity
| Month | Filings | vs prior | |
|---|---|---|---|
| Jun 2026 | 10 |
Each row reflects new filings entering the dataset that month, after ownership verification. Most recent month may be partial.
Geographic concentration by ZIP
Top 5 ZIPs in Hamilton County account for 100.0% of all tracked filings, showing where distressed real estate activity clusters.
| ZIP | City | Filings | Share | |
|---|---|---|---|---|
| 46074 | Westfield | 3 | 30.0% | |
| 46062 | Noblesville | 2 | 20.0% | |
| 46032 | Carmel | 2 | 20.0% | |
| 46060 | Noblesville | 2 | 20.0% | |
| 46040 | Fortville | 1 | 10.0% |
Based on filings with a parseable property address (100% of Hamilton County filings).
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Property value distribution
| Estimated value | Filings | Share | |
|---|---|---|---|
| $250k - $400k | 3 | 37.5% | |
| $400k+ | 5 | 62.5% |
Source: third-party property enrichment (80% coverage on Hamilton County filings). Median $518,166; mean $646,936.
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Day-of-week filing pattern
| Day | Filings | Share | |
|---|---|---|---|
| Sun | 0 | 0.0% | |
| Mon | 3 | 30.0% | |
| Tue | 3 | 30.0% | |
| Wed | 1 | 10.0% | |
| Thu | 3 | 30.0% | |
| Fri | 0 | 0.0% | |
| Sat | 0 | 0.0% |
Filings cluster Monday through Friday, with weekend filings essentially absent (court system closed). Computed for 10 filings with a parseable date.
Housing stock + distress signals
Underlying housing stock and distress indicators across all 140389 Hamilton County housing units, from US Census ACS 5-year data. National reference values shown for context.
| Indicator | Hamilton County | US average |
|---|---|---|
| Vacancy rate (incl. seasonal + for-sale) | 5.1% | 10.5% |
| Share of owner-occupied units carrying a mortgage | 73.5% | 60.8% |
| Pre-1940 housing stock | 3.3% | 12.3% |
| Single-family detached share of housing stock | 75.2% | 61.2% |
| Residents age 65 or older | 13.4% | 17.3% |
Source: US Census Bureau American Community Survey (ACS 2023 5-year). National reference values are ACS 2022 5-year US totals. Why these matter: vacancy rate is the strongest single proxy for distressed inventory; mortgage-carrying share defines the risk pool exposed to rate environment; pre-1940 stock signals deferred maintenance and renovation opportunity; senior population correlates with probate pipeline depth.
Rent benchmark (HUD Fair Market Rent)
HUD sets Fair Market Rents at the metro area level — the same FMRs apply to every county within the metro. Hamilton County sits within the Indianapolis-Carmel-Greenwood, IN (FY 2026). Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.
| Unit size | Fair market rent / month |
|---|---|
| Efficiency / studio | $1,118 |
| 1-bedroom | $1,267 |
| 2-bedroom | $1,473 |
| 3-bedroom | $1,907 |
| 4-bedroom | $2,338 |
Source: US Department of Housing and Urban Development, Fair Market Rents (2026). 40th-percentile gross rent including utilities. Why this matters: Section-8-eligible tenants are a baseline demand floor for rental inventory at these price points; FMR is the official ceiling for voucher-eligible rents.
New construction (market momentum)
Annual building permits filed in Hamilton County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.
| Indicator | Value |
|---|---|
| Total housing units permitted (2025) | 4,146 |
| Year-over-year change (2024 → 2025) | -9.1% |
| Single-family share of permits (2025) | 70.8% |
| Single-family units permitted | 2,934 |
| Multifamily units permitted (2+ units per building) | 1,212 |
Source: US Census Bureau Building Permits Survey, annual cumulative data. Why this matters: permits trending up signals strong demand for new inventory; permits contracting at the same time foreclosure activity rises indicates broader market softening (deals price differently). Multifamily share shows whether the market is densifying or holding to single-family stock.
Macro context: state home prices and national delinquency
Hamilton County filings should be read against the broader housing-market backdrop. Indiana state home-price trend and the national mortgage-delinquency rate are the two macro signals most directly relevant to foreclosure exposure.
| Indicator | Value | Period |
|---|---|---|
| Indiana home price index (year-over-year) | +4.3% | 2026-01-01 |
| Indiana home price index (cumulative since 2020) | +64.9% | 2026-01-01 |
| National mortgage delinquency rate (30+ day, single-family) | 1.89% | 2026-01-01 |
Sources: Federal Housing Finance Agency state house price indices (FRED series INSTHPI); Federal Reserve Board, Mortgage Delinquency 30+Day Rate on Single-Family Residential Mortgages (FRED series DRSFRMACBS). Updated quarterly. Free public data.
Most active foreclosure plaintiffs in Hamilton County
Top mortgage holders and servicers named in foreclosure complaints filed in this county. Lender names are normalized to collapse common legal-suffix variants (e.g. "as Trustee for X Trust", "N.A.").
| Plaintiff | Foreclosure filings |
|---|---|
| FIRST BANK D/B/A FIRST BANK MORTGAGE | 1 |
| DATA MORTGAGE INC | 1 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 |
| PLANET HOME LENDING, LLC | 1 |
| NEW AMERICAN FUNDING LLC F/K/A BROKER SOLUTIONS, INC. D/B/A NEW AMERICAN FUNDING | 1 |
| HORIZON BANK | 1 |
| LAKEVIEW LOAN SERVICING, LLC | 1 |
| U.S. BANK N.A. | 1 |
| ARVEST BANK, SUCCESSOR IN INTEREST BY MERGER TO ARVEST CENTRAL MORTGAGE COMPANY | 1 |
| UNION HOME MORTGAGE CORP. | 1 |
Source: plaintiff names extracted from Hamilton County foreclosure complaint text. Court records are public information.
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FEMA flood zone exposure
Are distressed properties concentrated in flood-prone areas? By checking each property's coordinates against FEMA's National Flood Hazard Layer, we identify which filings fall in Special Flood Hazard Areas (mandatory flood insurance zones). This analysis covers 84 properties with geocoded locations.
| Zone | Properties | Share |
|---|---|---|
| X | 81 | 96.4% |
| AE | 2 | 2.4% |
| A | 1 | 1.2% |
Source: FEMA National Flood Hazard Layer (NFHL), queried by property coordinates. Zones A/AE/AH/AO/V/VE are Special Flood Hazard Areas (1% annual flood chance, mandatory flood insurance). Zone X is minimal risk. 84 properties checked.
Lender concentration analysis
Foreclosure activity is spread across many lenders, suggesting diverse distress sources rather than a single institutional wave.
| Lender / Plaintiff | Filings | Share |
|---|---|---|
| FIRST BANK | 1 | 6.7% |
| DATA MORTGAGE INC | 1 | 6.7% |
| CROSSCOUNTRY MORTGAGE LLC | 1 | 6.7% |
| PLANET HOME LENDING LLC | 1 | 6.7% |
| NEW AMERICAN FUNDING LLC | 1 | 6.7% |
HHI (Herfindahl-Hirschman Index): <1500 = competitive, 1500-2500 = moderate concentration, >2500 = highly concentrated. Based on 15 foreclosure filings with identified plaintiffs.
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Market Absorption & Turnover Analysis
144 court filings tracked with 0 resolved (0.0% absorption rate). The court system is accumulating cases faster than they resolve, creating a growing backlog of 144 active cases.
| Month | New Filings | Resolved | Net | Inflow | Absorption |
|---|---|---|---|---|---|
| Jun 2026 | 95 | 0 | +95 | 0.0% | |
| Jul 2026 | 49 | 0 | +49 | 0.0% |
Resolution by Case Type
| Case Type | Filed | Resolved | Absorption | Avg Days |
|---|---|---|---|---|
| Divorce | 84 | 0 | 0.0% | n/a |
| Probate | 28 | 0 | 0.0% | n/a |
| Guardianship | 17 | 0 | 0.0% | n/a |
| Pre-Foreclosure | 15 | 0 | 0.0% | n/a |
Absorption rate measures the percentage of filed cases that have reached a terminal resolution (judgment, dismissal, settlement, or sale). A low absorption rate indicates a growing backlog of active cases in the court system. Resolution timing based on 0 resolved cases out of 144 total filings.
Property Type Distribution
57.9% of distressed properties are classified as Single Family, followed by Duplex/Multi-Family (21.1%).
| Property type | Count | Share | Distribution |
|---|---|---|---|
| Single Family | 44 | 57.9% | |
| Duplex/Multi-Family | 16 | 21.1% | |
| Agricultural | 11 | 14.5% | |
| Residential | 5 | 6.6% |
Property type by case type
| Case type | Dominant property type | Share | Properties |
|---|---|---|---|
| Divorce | Single Family | 56.2% | 48 |
| Probate | Single Family | 50.0% | 12 |
| Pre-Foreclosure | Single Family | 88.9% | 9 |
| Guardianship | Single Family | 42.9% | 7 |
Property classifications from county assessor records for 76 properties (52.8% of total filings). Categories normalized from assessor codes.
Case Aging & Stall Analysis
0 cases (0.0%) have been active for over a year without resolution. 137 filings in the last <30 days represent fresh opportunities.
| Age | Total | Resolved | Still active | Resolution rate |
|---|---|---|---|---|
| <30 days | 137 | 0 | 137 | 0.0% |
| 30-90 days | 7 | 0 | 7 | 0.0% |
Resolution speed by case type
| Case type | Total | Resolved | Rate | Median days |
|---|---|---|---|---|
| Divorce | 84 | 0 | 0.0% | — |
| Probate | 28 | 0 | 0.0% | — |
| Guardianship | 17 | 0 | 0.0% | — |
| Pre-Foreclosure | 15 | 0 | 0.0% | — |
Case aging computed from filing date to present for unresolved cases. Resolution classified from court docket entries (judgments, settlements, dismissals, sheriff sales). Cases with a resolution event are removed from the stall count.
Property Age & Distress Profile
70 filings (48.6% of scope) have year-built data. 2000+ properties are most common (57%). Newer properties (2000+) average $590,538 — 2.0x the value of Pre-1960 stock ($300,882).
| Construction era | Filings | Share | Avg value | Median days |
|---|---|---|---|---|
| Pre-1960 | 11 | 15.7% | $300,882 | — |
| 1960–1979 | 8 | 11.4% | $352,600 | — |
| 1980–1999 | 11 | 15.7% | $566,255 | — |
| 2000+ | 40 | 57.1% | $590,538 | — |
Value trend: 2000+ properties average $590,538 — 1.96x the value of Pre-1960 stock ($300,882).
Top case types by construction era
Construction year sourced from county tax assessor records. Value is assessed value from the most recent available tax assessment. Resolution timing based on court docket events.
Property Value Distribution
The median property value in distressed filings is $372,400, with the largest concentration (34.1%) in the $500K+ range. Probate filings have the highest median value ($443,700) while Divorce filings are lowest ($351,800).
| Price range | Count | Share | Distribution |
|---|---|---|---|
| Under $50K | 10 | 11.4% | |
| $50K–$100K | 6 | 6.8% | |
| $100K–$150K | 3 | 3.4% | |
| $150K–$200K | 3 | 3.4% | |
| $200K–$300K | 13 | 14.8% | |
| $300K–$500K | 23 | 26.1% | |
| $500K+ | 30 | 34.1% |
Value by case type
| Case type | Median value | Average value | Properties |
|---|---|---|---|
| Divorce | $351,800 | $428,226 | 53 |
| Probate | $443,700 | $840,171 | 14 |
| Pre-Foreclosure | $353,200 | $475,536 | 11 |
| Guardianship | $408,350 | $541,900 | 10 |
Assessed property values from county assessor records for 88 properties (61.1% of total filings). Values reflect tax-assessed amounts, not market price.
Ownership Duration Before Filing
The median ownership duration before a court filing is 5.4 years (25.9% held 10+ years). Divorce cases show the longest tenure (5.8 yr median) vs. Probate (4.3 yr).
| Ownership period | Count | Share | Distribution |
|---|---|---|---|
| Under 2 years | 23 | 27.1% | |
| 2–5 years | 17 | 20.0% | |
| 5–10 years | 23 | 27.1% | |
| 10–20 years | 20 | 23.5% | |
| 20+ years | 2 | 2.4% |
Tenure by case type
| Case type | Median tenure | Average tenure | Properties |
|---|---|---|---|
| Divorce | 5.8 yr | 6.9 yr | 51 |
| Probate | 4.3 yr | 5.8 yr | 14 |
| Pre-Foreclosure | 4.9 yr | 6.6 yr | 11 |
Duration calculated from last recorded property sale to court filing date for 85 properties (59.0% of total filings). Longer ownership often correlates with higher equity.
Serial distressed properties in Hamilton County
Of 82 unique properties in court filings, 8 (9.8%) have multiple filings. Guardianship properties have the highest repeat rate at 40.0%.
Serial distress rate by case type
| Case type | Serial properties | Total properties | Serial rate |
|---|---|---|---|
| Divorce | 8 | 50 | 16.0% |
| Guardianship | 4 | 10 | 40.0% |
Analysis based on 82 unique property addresses across court filings. Serial distressed properties have 2 or more distinct case filings at the same address.
Land vs improvement value composition
Across 73 properties with assessed value breakdowns, the median land share is 23.1% (median land value $103,900, median improvement value $316,300). 5 properties (6.8%) are land-dominant (50%+ land value) — potential teardown or vacant-lot targets. Probate cases skew most land-heavy (median 25.8%) while Divorce skews most improvement-heavy (22.6%).
Land share distribution
| Land share bracket | Properties | % of total |
|---|---|---|
| 10–20% | 23 | 31.5% |
| 20–30% | 35 | 47.9% |
| 30–50% | 10 | 13.7% |
| 50–70% | 4 | 5.5% |
| Over 70% | 1 | 1.4% |
Land share by case type
| Case type | Filings | Median land % |
|---|---|---|
| Divorce | 43 | 22.6% |
| Probate | 13 | 25.8% |
Analysis of 73 properties (50.7% of filings) with assessed land and improvement value breakdowns.
Why these filings are invisible on most public foreclosure sites
The largest public foreclosure-aggregator interfaces surface only post-auction bank-owned properties in Indiana. Pre-foreclosure court filings are not visible to their non-paying users. Keystone tracks the court filing the day it hits the docket, weeks or months before any property reaches the auction stage those aggregators surface.
Methodology and full audit: Court-vs-aggregator coverage gap report.
Methodology and data sources
- Court filings are collected directly from Hamilton County court records, which are public information.
- Every filing in this dataset has been verified for current owner-of-record. Entity-owned filings (LLCs, trusts, banks) and properties where the named party is not the current owner are excluded.
- Property value figures come from third-party enrichment (80% coverage on this dataset).
- Individual case data, defendant names, and property addresses are not published. Reports show aggregated statistics only.
- The methodology page at /reports/methodology documents data sources, sample sizes, and known limitations in detail.
- This report was generated 2026-07-14 from the live database. Numbers reflect the dataset at that moment.
Filing volume trend (last 1 months)
Property-related court filings tracked in Hamilton County by calendar month. Trend signal on whether distress activity is rising or cooling in this market.
| Month | Filings |
|---|---|
| Jun 2026 | 10 |
Related Indiana guides
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Cite: Keystone Court Data, "Hamilton County Indiana Court Filings Intelligence," 2026-07-14, https://keystonecourtdata.com/reports/hamilton-in-court-filings-intelligence · Download data (CSV)