About This Home

This 3-bedroom, 3-bathroom single family at 12021 Waterford Lane in Carmel, IN is listed for $495,000 ($188 per sqft). Built in 1988, the home offers 2,632 sqft of living space on a 0.16 acres lot.

Key Features

  • Built in 1988
  • 0.16 acre lot
  • Fireplace

Property Details

1 story
3 full
2-car garage
1988

Amenities

FireplaceHardwoodA/C
Listing Description

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!

Monthly Cost Estimate

$3,147/mo

20% down · 6.5% · 30 years

Principal$358
Interest$2,145
Insurance$144
HOA$500

Estimates only. Actual payments may vary.

Location

12021 Waterford Lane

Carmel, IN 46033

Waterford

Features & Amenities

Interior Features

Vaulted Ceiling(s)Kitchen IslandPaddle FanPantryWalk-In Closet(s)Wet Bar

Property Details

Flooring

Hardwood

Construction

Brick Wood Siding

Outdoor Features

DeckPatio

Heating

Forced AirNatural Gas

Cooling

Central Air

Appliances

DishwasherDisposalGas Water HeaterMicrowaveElectric OvenRefrigeratorWater Purifier

Questions & Answers

This 3-bedroom, 3-bathroom single family at 12021 Waterford Lane is listed at $495,000 ($188/sqft). The estimated monthly payment is $3,147 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $500/month.

Key features include: Built in 1988, 0.16 acre lot, Fireplace. Interior Features: Vaulted Ceiling(s), Kitchen Island, Paddle Fan.

This property is listed by Derek Gutting.

DG

Derek Gutting

Agent at Keller Williams Indianapolis Metro North

Listed by Keller Williams Indianapolis Metro North · Broker phone: (317) 846-6300 · View on Broker Site · Broker website

MLS# 22132741· Source: Broker Listing Cooperative®· 7 days on PropertySimple

Copyright © 2026 Broker Listing Cooperative®. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

12021 Waterford Lane, Carmel, IN 46033

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