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1296 Shadow Ridge Road

Carmel, IN 46280

ActiveListed Sep 26, 2026 · 22 days on market

Key facts

Beds
2
Baths
2 full
Living area
1,650 sqft
Lot
0.13 acres
Year built
2001
Type
Residential · Condominium
Stories
One
Garage
2 spaces
MLS #
22128127
County
Hamilton
Subdivision
Retreat

About this home

Enjoy low-maintenance living at The Retreat at Carmel, where the HOA handles lawn care, snow removal, and exterior maintenance. This 2-bedroom, 2-bath condo offers 1,650 square feet with bedrooms on opposite sides for added privacy. The great room features a gas fireplace, and the kitchen offers granite countertops, stainless steel appliances, a breakfast bar, and a pantry. Both bedrooms have walk-in closets, while the primary suite includes a private bath with a garden tub. Relax on the covered balcony overlooking the community's green space, and enjoy the attached 2-car garage. The water heater and AC are each only 3 years old. The Retreat offers a resort-style pool, clubhouse, 24-hour fitness center, tennis and pickleball courts, walking trails, and direct access to the Monon Trail. This great Carmel location also puts you near the Fashion Mall at Keystone, restaurants and shopping along the Keystone corridor, and downtown Carmel's Arts & Design District.

Description provided by the listing brokerage.

Interior

Appliances
DishwasherDryerDisposalGas Water HeaterMicroHoodElectric OvenRefrigeratorWasher
Interior features
Attic AccessBreakfast BarPaddle FanPantryWalk-In Closet(s)
Flooring
Hardwood
Fireplaces
1
Fireplace type
Gas LogGreat Room
Laundry
Laundry Room
Windows
Vinyl Windows
Rooms
5
Main-level bedrooms
2

Exterior

Exterior features
Balcony
Patio and porch
CoveredDeck
Construction
BrickCement Siding
Foundation
Slab
Style
Traditional
Parking and garage
Attached
Other equipment
Smoke Alarm

Systems

Heating
Forced AirNatural Gas
Cooling
Central Air
Water
Public
Utilities
Cable Available

Lot and HOA

HOA fee
$455 / monthly
Lot features
SidewalksStreet LightsMature Trees
Community
ClubhouseFitness CenterLakePoolSidewalksStreet LightsTennis Court(s)
HOA fee includes
Association Home OwnersClubhouseEntrance CommonExercise RoomLawncareMaintenance GroundsMaintenance StructureMaintenanceNature AreaPickleball CourtSnow RemovalTennis Court(s)TrashWalking Trails
HOA amenities
ClubhouseFitness CenterJogging PathLandscapingMaintenance GroundsMaintenance StructureParkPickleball Court(s)Picnic AreaPoolRecreation FacilitiesSnow RemovalTennis Court(s)Trail(s)TrashExercise CourseMaintenance

Schools

High school
Carmel High School
School district
Carmel Clay Schools

Taxes

Estimated annual tax
$2,710 / yearTwice the semi-annual installment the listing reports.
Tax year
2025

Estimate your monthly payment

$2,298per month, estimated
Principal and interest $1,512Property tax $226Insurance $105HOA $455
20% · $60,000
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$300,000
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