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11190 Ruckle Street

Carmel, IN 46032

ActiveListed Sep 14, 2026 · 33 days on market

Key facts

Beds
3
Baths
2 full · 1 half
Living area
1,922 sqft
Lot
0.17 acres
Year built
1995
Type
Residential · Single Family Residence
Stories
Two
Garage
2 spaces
MLS #
22125813
County
Hamilton
Subdivision
Waterwood Of Carmel

About this home

Welcome to this beautifully maintained home in the desirable Waterwood of Carmel neighborhood! An inviting open floor plan with soaring ceilings creates a bright and spacious feel, with comfortable living areas designed for both everyday living and entertaining. The main-level primary suite offers a peaceful retreat with an en-suite bath and convenient main-level living, while additional bedrooms and a full bath upstairs provide plenty of space for family, guests, or a home office. Step outside to enjoy the privacy of the fully fenced backyard, perfect for relaxing, entertaining, gardening, or enjoying your morning coffee. The established neighborhood offers a quiet setting with mature surroundings while being conveniently located near the Monon Trail, Monon Community Center, shopping, dining, parks, and everyday amenities. Notable updates include a tankless water heater, furnace (2023), and water softener (2018), providing added comfort and efficiency. Located within the highly regarded Carmel Clay Schools district, this home offers an ideal combination of comfortable living, privacy, convenience

Description provided by the listing brokerage.

Interior

Appliances
DishwasherDryerDisposalMicroHoodElectric OvenTankless Water HeaterWasherWater Softener OwnedMicrowaveRefrigerator
Interior features
Breakfast BarCathedral Ceiling(s)High CeilingsPaddle FanHi-Speed Internet AvailblWalk-In Closet(s)Bath Sinks Double MainVaulted Ceiling(s)
Other rooms and areas
Bedroom Other on Main
Laundry
Laundry Room
Windows
Low-Emissivity Windows
Rooms
8
Main-level bedrooms
1

Exterior

Patio and porch
CoveredDeck
Construction
Vinyl With BrickBrick
Foundation
Slab
Style
Traditional
Parking and garage
Attached
Fencing
Privacy
View
Trees/Woods

Systems

Heating
Forced AirNatural Gas
Cooling
Central Air
Water
Public

Lot and HOA

HOA fee
$365 / annually
HOA fee includes
Entrance CommonMaintenanceSnow Removal
HOA amenities
MaintenanceSnow Removal

Schools

High school
Carmel High School
School district
Carmel Clay Schools

Taxes

Estimated annual tax
$3,944 / yearTwice the semi-annual installment the listing reports.
Tax year
2025

Estimate your monthly payment

$2,566per month, estimated
Principal and interest $2,064Property tax $329Insurance $143HOA $30
20% · $81,900
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.

Talk to a lender we trust
Listing Office:
@properties
Listing Office Phone:
317-489-3441
Listed by
Firm
@properties
Firm phone
317-489-3441
MLS #
22125813
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Listed at$409,500
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