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18802 Cromarty Circle

Noblesville, IN 46062

ActiveListed Mar 18, 2026 · 147 days on market

Key facts

Beds
5
Baths
3 full
Living area
2,477 sqft
Lot
0.2 acres
Year built
2023
Type
Residential · Single Family Residence
Stories
Two
Garage
2 spaces
MLS #
22090052
County
Hamilton
Subdivision
Settlers Mill
New construction
Yes
Total building area
3,666 sqft

About this home

Can we talk about the elephant in the room? I've been for sale for a while. Long enough that you've probably scrolled past me before and thought, *"There has to be a reason nobody has bought that house."* There is. I started out too expensive. That's it. Not nearly as exciting as you expected, right? I'm not a fixer-upper disguised by good photography. I'm not hiding years of deferred maintenance. In fact, I've never even had an owner live in me. I was built new and have been patiently waiting for someone to finally call me home. Maybe *too* patiently. My owners originally believed my new construction, size and finishes justified a higher price than buyers were willing to pay. The market disagreed - and the market usually gets the final word. **So now my price tells a very different story.** For $525,000, I offer 5 bedrooms, 3 full bathrooms, an open and light-filled floor plan, quartz countertops, designer lighting, custom trim details, a main-level bedroom and full bath, and a large unfinished basement that gives my next owner plenty of room to grow. And unlike the house down the street, I'm not trying to be exactly like anyone else. I have my own layout, my own finishes, and my own personality. Maybe you've seen my listing before. **But you haven't seen me at the right moment.** Take another look. Better yet, come see me in person. I think you'll understand pretty quickly why my days on market tell you a lot more about where my price *was* than what I'm worth today.

Description provided by the listing brokerage.

Interior

Appliances
DishwasherENERGY STAR Qualified AppliancesDisposalGas Water HeaterExhaust FanOvenConvection OvenGas OvenRefrigeratorWater HeaterMicrowave
Interior features
Bath Sinks Double MainHigh CeilingsKitchen IslandEntrance FoyerPaddle FanHi-Speed Internet AvailblEat-in KitchenPantrySmart ThermostatWalk-In Closet(s)Tray Ceiling(s)
Kitchen
Kitchen Updated
Basement
Ceiling - 9+ feetEgress Window(s)Finished CeilingFullStorage Space
Fireplaces
1
Fireplace type
Gas StarterLiving Room
Laundry
Connections AllUpper LevelSinkLaundry Room
Windows
Vinyl Windows
Rooms
12
Main-level bedrooms
1
Condition
New Construction

Exterior

Patio and porch
CoveredPatio
Construction
BrickCement SidingShingle Siding
Foundation
Concrete PerimeterFull
Style
Contemporary
Parking and garage
Attached
View
Trees/Woods
Other equipment
Smoke AlarmSump Pump w/Backup

Systems

Heating
Forced AirNatural Gas
Cooling
Central Air
Water
Public
Utilities
Cable AvailableNatural Gas Connected

Lot and HOA

HOA fee
$445 / annually
Lot features
CurbsSidewalksSuburb
HOA fee includes
Entrance CommonNature AreaParkPlayground

Schools

Elementary school
Hazel Dell Elementary School
Middle school
Noblesville West Middle School
High school
Noblesville High School
School district
Noblesville Schools

Taxes

Estimated annual tax
$5,656 / yearTwice the semi-annual installment the listing reports.
Tax year
2024

Estimate your monthly payment

$3,338per month, estimated
Principal and interest $2,646Property tax $471Insurance $184HOA $37
20% · $105,000
6.47%
Loan type
Loan term

Estimates only. This calculator does not give a quote. Defaults reflect Marion County / Indianapolis averages: property tax from this home's actual county bill, homeowners insurance at 0.42% annually. Conventional: PMI runs 0.55% of the loan annually when your down payment is below 20%, and drops automatically at 22% equity. Your real number depends on credit, taxes assessed for the parcel, escrow, condo insurance, and HOA. Rates as of May 2026 and subject to change.

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Listed at$525,000
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