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451 American Way N #2D

Carmel, IN 46032

ActiveListed Oct 16, 2026 · 4 days on market

Key facts

Beds
2
Baths
2 full · 1 half
Living area
1,764 sqft
Lot
0.05 acres
Year built
2004
Type
Residential · Condominium
Stories
One
Garage
2 spaces
MLS #
22131879
County
Hamilton
Subdivision
Commons At City Centre

About this home

Few addresses are more chic than this spacious flat in the heart of Carmel's Arts & Design District, just steps from the Palladium, the Monon Trail, and the area's best restaurants and shops. With 1,764 square feet of single-level living, this second-floor "waterside" unit offers rare space and refined style, including a private balcony overlooking the reflecting pond. Upon your return home daily, you will pull into the secure garage, park in one of two dedicated spaces, and take the elevator up to a light-filled home, designed for easy living. Bedroom suites sit at opposite ends, leaving the entire center open for living space, an ideal flow for both elegant and casual entertaining. Every window offers a view of the water, hardwood floors run throughout, and the entire interior has been freshly painted. The open design of the floor plan creates space for a more-formal dining area, plus an office/library. And in the second bedroom, you'll find a convenient Murphy Bed, allowing that room to serve in a variety of capacities. And to make this all the better, this unit can be sold FULLY-FURNISHED (all furnishings included in list price) or we can donate it all, leaving you a fresh slate. In addition to all the building & grounds maintenance, the HOA dues cover hazard insurance, water & sewer, trash & snow removal, making this effortless living, with everything that IS Carmel, right outside your door.

Description provided by the listing brokerage.

Interior

Appliances
DishwasherDisposalMicroHoodElectric OvenRefrigeratorWater HeaterWater Softener Owned
Interior features
Bath Sinks Double MainElevatorEntrance FoyerPaddle FanHandicap Accessible InteriorHi-Speed Internet AvailblEat-in KitchenWired for DataWalk-In Closet(s)Wood Work Painted
Other rooms and areas
Laundry in Unit
Flooring
Hardwood
Fireplaces
1
Fireplace type
Gas LogGreat Room
Laundry
Connections AllLaundry RoomMain Level
Windows
Screens
Security
Building SecurityFire Sprinkler SystemSecured Garage/ParkingSecurity LightsSmoke Detector(s)Varies By Unit
Rooms
6
Main-level bedrooms
2

Exterior

Exterior features
Exterior Handicap AccessibleBalcony
Patio and porch
Covered
Construction
Brick
Foundation
Block
Style
Traditional
Parking and garage
Alley AccessAssignedAttachedConcreteGarage Door OpenerGarage Faces Rear
View
CityPondPoolWater
Waterfront
PondWater View
Other equipment
Smoke Alarm

Systems

Heating
Forced AirElectric
Cooling
Central Air
Water
Public
Utilities
Cable Connected

Lot and HOA

HOA fee
$596 / monthly
Lot features
SidewalksStorm SewerStreet Lights
Community
SidewalksStreet Lights
HOA fee includes
Association Home OwnersSewerInsuranceIrrigationLawncareMaintenance GroundsMaintenance StructureMaintenanceManagementSnow RemovalTrash
HOA amenities
InsuranceMaintenance GroundsMaintenanceManagementSnow RemovalTrash

Schools

School district
Carmel Clay Schools

Taxes

Estimated annual tax
$3,138 / yearTwice the semi-annual installment the listing reports.
Tax year
2025

Estimate your monthly payment

$3,176per month, estimated
Principal and interest $2,168Property tax $262Insurance $151HOA $596
20% · $86,000
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$430,000
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