12021 Waterford Lane
Carmel, IN, 46033 $ 495,000
Bedrooms3 Baths3.0 Sq 2,720 Monthly Estimate*
$ 3,419
for $495,000 with 3 bedrooms and 3 full baths. This 2,720 square foot home was built in 1988 on a lot size of 0.16.
Welcome to Waterford, a desirable Carmel, Indiana community where comfort, character, and convenience come together, with lawn maintenance included for easy living. This inviting 3-bedroom ranch offers the ease of main-level living with a finished basement with a full bath, creating plenty of room to gather, entertain, and unwind. From the moment you step inside, hardwood floors, bay windows, 12-foot ceilings, and plantation shutters create a warm, welcoming atmosphere. Imagine cozy evenings by the gas fireplace, lively dinners with friends, or quiet mornings in the beautiful sunroom, where vaulted ceilings, skylights, and built-ins create a light-filled retreat. The sunroom also offers convenient access to the primary bedroom, creating a lovely extension of the private suite. The kitchen is ready for everything from casual breakfasts at the center island to hosting holiday gatherings, with granite countertops, a tile backsplash, and generous pantry storage. The spacious primary suite offers a peaceful escape at the end of the day, complete with an ensuite bath featuring double sinks, a jetted tub, a separate shower, and two walk-in closets. Downstairs, the finished basement provides even more versatile living space, complete with a full bath and wet bar, making it ideal for cheering on your favorite team, hosting game night, or creating the ultimate recreation space. When it's time to head outdoors, enjoy the privacy of your backyard, where the deck and paver patio set the scene for summer cookouts and relaxing evenings under the stars. Just moments from Merchant's Square shopping center and with convenient access to Keystone Parkway, this home makes everyday errands, dining, shopping, and commuting a breeze. With lawn maintenance included, inviting living spaces, thoughtful features, and a convenient Carmel location, this Waterford ranch is ready to welcome you home!
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FeaturesInteriorInterior Amenities Vaulted Ceiling(s) Kitchen Island Paddle Fan Pantry Walk-In Closet(s) Wet Bar
Total Fireplaces 1
Fireplace Features Gas Starter Great Room
Basement (Y/N) Y
Half Baths 0
Laundry Features Laundry Room
Total Bedrooms 3
Below Grade Finished Area 788
Main Level Bedrooms 3
Total Baths 3
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GeneralHeating Forced Air Natural Gas
Cooling Central Air
Possession Negotiable
Appliances Dishwasher Disposal Gas Water Heater Microwave Electric Oven Refrigerator Water Purifier
HOA Fee 500
Garage Spaces 2
Association Fee Includes Insurance Lawncare Maintenance
Patio/Porch Features Deck Patio
Architectural Style Ranch
Construction Materials Brick Wood Siding
Year Built 1988
Township Clay
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Assoc Fee Paid Per Quarterly
County Hamilton
New Construction N
Property Type Residential
Association Amenities Insurance Maintenance
HOA Y
Subdivision Name Waterford
Garage Y/N Y
Total Rooms 10
Full Baths 3
Status Active
Directions GPS Friendly
High School Carmel High School
City Carmel
High School District Carmel Clay Schools
MLS Area 2910 - Hamilton - Clay
Lot Size Square Feet 6970
Elementary School Woodbrook Elementary School
Property Attached Y/N N
Current Financing Conventional FHA VA
Middle/Junior High School Clay Middle School
Additional Parcels Y/N N
Standard Status Active
Tax Lot 14
Legal Description Acreage .16 Section 31 Township 18 Range 4 Waterford Lot 14
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ExteriorFencing Full
Parking Features Attached
Water Source Public
Foundation Details Block
Spa N
Building Area Total 2720
Lot Size Acres 0.16
Waterfront Y/N N
Other Equipment Sump Pump w/Backup
Horse Amenities None
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* Excluded FeaturesList ByKeller Williams Indpls Metro NBroker
derek@guttinggroup.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $3,419
- Monthly Property Taxes
- $364
- Monthly Home Insurance
- --
Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
Learn more about how to save NearbySingle family listings in Carmel, IN
Average List Price $870,909
Percent of Sale Price 76%
About Carmel, IN 95,565 Population
56% Since 2002
$ 107,809 Median Income
41.21 Median Age
39% Households with Children
Trends Information provided by ATTOM Data Solutions.
4047403 Elementary School
4046644 Middle School
Carmel High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 10/22/2026 | $495,000 | | Listed Price |