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10526 Iron Horse Lane

Carmel, IN 46032

PendingListed Oct 1, 2026 · 5 days on market

Key facts

Beds
6
Baths
5 full · 2 half
Living area
8,357 sqft
Lot
0.94 acres
Year built
2015
Type
Residential · Single Family Residence
Stories
Two
Garage
4 spaces
MLS #
22104950
County
Hamilton
Subdivision
Windsor Grove
Total building area
8,740 sqft

About this home

Set on an exceptional 0.94-acre homesite, the largest residential lot in West Carmel's Windsor Grove, this striking brick-and-stone estate pairs a walkout lower level with impressive space, privacy and versatility. The backyard is designed for entertaining, with a saltwater pool, expansive pool deck, stone firepit, generous lawn and multiple outdoor gathering spaces creating a true retreat at home. Inside, the distinctive multi-level floorplan offers 6 bedrooms, abundant flex space and incredible versatility for everyday living, entertaining and multigenerational needs. The main-level primary suite features two custom walk-in closets and a spacious bath with dual-head shower and jetted tub. A soaring great room with coffered ceiling overlooks the pool and backyard, while the adjoining kitchen and hearth room create a warm, inviting gathering space. The walkout lower level is made for entertaining and extended living, with theater, gaming and family room areas, a wet bar and dining area with slate flooring, guest bedroom, full bath and finished bonus room ideal as a seventh sleeping area, home office, fitness room or private flex space. Step directly outside to the patio, pool and lawn for effortless indoor-outdoor living. Five additional bedrooms and flexible spaces span the upper levels, along with built-in workstations, cabinetry and generous storage. Additional highlights include two gas fireplaces, integrated audio, a 4-car garage and substantial lower-level storage. Recent improvements include interior paint, new lower-level carpet, resurfaced garage floors, resealed exterior concrete, updated pool equipment, refreshed deck stain, a Bosch 800 Series dishwasher and more.

Description provided by the listing brokerage.

Interior

Appliances
Gas CooktopDishwasherDryerDisposalMicrowaveOvenDouble OvenRefrigeratorTankless Water HeaterWasherWater PurifierWater Softener Owned
Interior features
Attic AccessBath Sinks Double MainBuilt-in FeaturesTray Ceiling(s)Kitchen IslandEntrance FoyerHi-Speed Internet AvailblEat-in KitchenSmart ThermostatSupplemental StorageWired for SoundWalk-In Closet(s)Wet Bar
Other rooms and areas
Bath Jack-n-JillGreat Room - 2 Story
Flooring
Hardwood
Basement
Ceiling - 9+ feetFullStorage SpaceWalk-Out Access
Fireplaces
2
Fireplace type
Gas StarterHearth RoomLiving Room
Laundry
Main Level
Rooms
18
Main-level bedrooms
1

Exterior

Exterior features
Sprinkler System
Patio and porch
DeckScreened
Construction
BrickStone
Foundation
Concrete Perimeter
Style
Traditional
Parking and garage
Attached
Pool
In Ground
Private pool
Yes
Other equipment
Radon SystemSecurity SystemSmoke AlarmSump Pump DualSump Pump w/Backup

Systems

Heating
Forced AirGas
Cooling
Central Air
Water
Public

Lot and HOA

HOA fee
$1,750 / annually
Lot features
SidewalksStreet LightsMature Trees
HOA fee includes
Association Home Owners

Schools

Elementary school
Towne Meadow Elementary School
Middle school
Creekside Middle School
High school
Carmel High School
School district
Carmel Clay Schools

Taxes

Estimated annual tax
$18,220 / yearTwice the semi-annual installment the listing reports.
Tax year
2025

Estimate your monthly payment

$12,171per month, estimated
Principal and interest $9,824Property tax $1,518Insurance $682HOA $146
20% · $389,800
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$1,949,000
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