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12021 Waterford Lane

Carmel, IN 46033

ActiveListed Oct 22, 2026 · 1 day on market

Key facts

Beds
3
Baths
3 full
Living area
2,632 sqft
Lot
0.16 acres
Year built
1988
Type
Residential · Single Family Residence
Stories
One
Garage
2 spaces
MLS #
22132741
County
Hamilton
Subdivision
Waterford
Total building area
2,720 sqft

About this home

Welcome to Waterford, a desirable Carmel, Indiana community where comfort, character, and convenience come together, with lawn maintenance included for easy living. This inviting 3-bedroom ranch offers the ease of main-level living with a finished basement with a full bath, creating plenty of room to gather, entertain, and unwind. From the moment you step inside, hardwood floors, bay windows, 12-foot ceilings, and plantation shutters create a warm, welcoming atmosphere. Imagine cozy evenings by the gas fireplace, lively dinners with friends, or quiet mornings in the beautiful sunroom, where vaulted ceilings, skylights, and built-ins create a light-filled retreat. The sunroom also offers convenient access to the primary bedroom, creating a lovely extension of the private suite. The kitchen is ready for everything from casual breakfasts at the center island to hosting holiday gatherings, with granite countertops, a tile backsplash, and generous pantry storage. The spacious primary suite offers a peaceful escape at the end of the day, complete with an ensuite bath featuring double sinks, a jetted tub, a separate shower, and two walk-in closets. Downstairs, the finished basement provides even more versatile living space, complete with a full bath and wet bar, making it ideal for cheering on your favorite team, hosting game night, or creating the ultimate recreation space. When it's time to head outdoors, enjoy the privacy of your backyard, where the deck and paver patio set the scene for summer cookouts and relaxing evenings under the stars. Just moments from Merchant's Square shopping center and with convenient access to Keystone Parkway, this home makes everyday errands, dining, shopping, and commuting a breeze. With lawn maintenance included, inviting living spaces, thoughtful features, and a convenient Carmel location, this Waterford ranch is ready to welcome you home!

Description provided by the listing brokerage.

Interior

Appliances
DishwasherDisposalGas Water HeaterMicrowaveElectric OvenRefrigeratorWater Purifier
Interior features
Vaulted Ceiling(s)Kitchen IslandPaddle FanPantryWalk-In Closet(s)Wet Bar
Flooring
Hardwood
Fireplaces
1
Fireplace type
Gas StarterGreat Room
Laundry
Laundry Room
Windows
Skylight(s)Vinyl Windows
Rooms
10
Main-level bedrooms
3

Exterior

Patio and porch
DeckPatio
Construction
BrickWood Siding
Foundation
Block
Style
Ranch
Parking and garage
Attached
Fencing
Full
Other equipment
Sump Pump w/Backup

Systems

Heating
Forced AirNatural Gas
Cooling
Central Air
Water
Public

Lot and HOA

HOA fee
$500 / quarterly
HOA fee includes
InsuranceLawncareMaintenance
HOA amenities
InsuranceMaintenance

Schools

Elementary school
Woodbrook Elementary School
Middle school
Clay Middle School
High school
Carmel High School
School district
Carmel Clay Schools

Taxes

Estimated annual tax
$4,366 / yearTwice the semi-annual installment the listing reports.
Tax year
2025

Estimate your monthly payment

$3,199per month, estimated
Principal and interest $2,495Property tax $364Insurance $173HOA $167
20% · $99,000
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$495,000
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