685 Waterlily Way
Carmel, IN, 46032 $ 539,900
Bedrooms3 Baths3.1 Sq 2,315 Monthly Estimate*
$ 3,729
for $539,900 with 3 bedrooms and 3 full baths, 1 half bath. This 2,315 square foot home was built in 2009 on a lot size of 0.069.
Enjoy the best of Carmel living at 685 Waterlily Way in The Cottages at Carmel! This beautifully maintained home combines thoughtful updates, flexible living spaces, and the convenience of low-maintenance living in an exceptional location near the Carmel Arts & Design District, Midtown, and the Monon Greenway. Enjoy easy access to downtown Carmel's restaurants, shops, galleries, entertainment, the Palladium, and the popular Carmel Farmers Market. Inside, the inviting open floor plan features soaring ceilings, abundant natural light, hardwood floors, and a spacious great room with a fireplace and custom built-ins. The updated kitchen offers beautiful countertops, stainless steel appliances, a large center island, and ample cabinetry, while the adjoining dining area features a charming built-in window seat. The main-level primary suite includes a beautifully renovated bathroom with dual vanities, a stunning walk-in tiled shower, and an impressive custom walk-in closet. First-floor washer and dryer hookups provide the option for convenient main-level laundry. Upstairs, you'll find two additional bedrooms, two bathrooms, a spacious loft offering flexibility for a home office or second living area, and a generously sized laundry room with ample cabinet storage. The finished sunroom provides another inviting place to relax, while the private patio overlooks a beautifully landscaped, wooded backdrop. Enjoy more free time with HOA services that include lawn care, landscaping, seasonal leaf removal, gutter cleaning, driveway and sidewalk snow removal, and exterior maintenance. Whether you're exploring everything Carmel has to offer or traveling, this home provides the perfect balance of comfort, convenience, and low-maintenance living!
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FeaturesInteriorInterior Amenities Cathedral Ceiling(s) Walk-In Closet(s) Wood Work Painted Paddle Fan Bath Sinks Double Main Entrance Foyer Hi-Speed Internet Availbl Kitchen Island
Total Fireplaces 1
Fireplace Features Gas Log Living Room
Basement (Y/N) N
Half Baths 1
Total Bedrooms 3
Main Level Bedrooms 1
Total Baths 4
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GeneralHeating Forced Air Natural Gas
Cooling Central Air
Utilities Cable Available Natural Gas Available Sewer Connected
Possession Closing
Appliances Gas Cooktop Dishwasher Disposal Gas Water Heater MicroHood Electric Oven Refrigerator
HOA Fee 310
Garage Spaces 2
Association Fee Includes Association Builder Controls Entrance Common Insurance Lawncare Maintenance Grounds Maintenance Structure Maintenance Management Snow Removal Trash
Patio/Porch Features No Maintenance Patio
Architectural Style Bungalow
Construction Materials Cement Siding Cultured Stone
Year Built 2009
Township Clay
Levels Two
Property Subtype Single Family Residence
Tax Year 2026
Assoc Fee Paid Per Monthly
County Hamilton
New Construction N
Property Type Residential
HOA Y
Subdivision Name Cottages At Carmel
Garage Y/N Y
Total Rooms 7
Full Baths 3
Status Active
Directions GPS Friendly
City Carmel
High School District Carmel Clay Schools
MLS Area 2910 - Hamilton - Clay
Lot Size Square Feet 3006
Property Attached Y/N Y
Builder Name Highline Const.
Standard Status Active
Tax Lot 16-09-25-03-17-002.000
Legal Description Acreage .07 Section 25 Township 18 Range 3 COTTAGES AT CARMEL Lot 11 Block E Irregular Shape
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ExteriorParking Features Attached Concrete
Lot Features Sidewalks Storm Sewer Street Lights Mature Trees
Water Source Public
Foundation Details Slab
Building Area Total 2315
Lot Size Acres 0.069
Other Equipment Security System Smoke Alarm
Horse Amenities None
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* Excluded FeaturesList ByWhite Stag Realty, LlcBroker
stevenschell@whitestagrealty.comEmail
Affordability Calculator
- Monthly Principal & Interest
- $3,729
- Monthly Property Taxes
- $369
- 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 $873,309
Percent of Sale Price 62%
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.
4044902 Elementary School
4044901 Middle School
Unknown High School High School
Pricing History| Date | Price | Price Change | Description |
|---|
| 11/1/2026 | $539,900 | | Listed Price |