# 12021 Waterford Lane, Carmel, IN 46033 > **TL;DR:** 3bd/3ba single family, $495,000 ($188/sqft), built 1988, 2,632 sqft. > Fireplace, Hardwood, A/C, 2-car garage. Est. $3,147/mo. Listed 11 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $495,000 | | Price/sqft | $188 | | Bedrooms | 3 | | Bathrooms | 3 full | | Square Feet | 2,632 | | Year Built | 1988 | | Lot Size | 6,970 sqft (0.16 acres) | | Stories | 1 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Pending | | Days on Market | 11 | ## Why This Home Stands Out - **Hardwood Floors** - Hardwood flooring listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $2,503 | | Estimated Insurance | $144 | | HOA | $500 | | **Total** | **$3,147** | ## Nearby Schools - **Elementary:** Woodbrook Elementary School - **Middle:** Clay Middle School - **High:** Carmel High School ## Key Amenities - Fireplace - Hardwood - A/C - 2-car garage ## Property Highlights - Built in 1988 - 0.16 acre lot - Fireplace ## Description ### Agent 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! ## Location - **Address:** 12021 Waterford Lane, Carmel, IN 46033 - **County:** Hamilton - **Neighborhood:** Waterford - **Coordinates:** 39.959872, -86.111281 - **Google Maps:** https://www.google.com/maps?q=39.959872,-86.111281 ## Listing Agent - **Name:** Derek Gutting - **Brokerage:** Keller Williams Indianapolis Metro North - **Broker Phone:** (317) 846-6300 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/12021-Waterford-Ln_Carmel_IN_46033_M42686-04867?f=listhub&s=MIBORIN&m=22132741&c=propsimple) ## Photos ![12021 Waterford Lane - Photo 1](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f1694368558r.jpg) ![12021 Waterford Lane - Photo 2](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f2153232489r.jpg) ![12021 Waterford Lane - Photo 3](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f2096131088r.jpg) ![12021 Waterford Lane - Photo 4](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f2692321968r.jpg) ![12021 Waterford Lane - Photo 5](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f3622459480r.jpg) ![12021 Waterford Lane - Photo 6](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f3668839532r.jpg) ![12021 Waterford Lane - Photo 7](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f2206414865r.jpg) ![12021 Waterford Lane - Photo 8](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f4155936614r.jpg) ![12021 Waterford Lane - Photo 9](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f1728390370r.jpg) ![12021 Waterford Lane - Photo 10](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f2737232066r.jpg) ![12021 Waterford Lane - Photo 11](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f4081798445r.jpg) ![12021 Waterford Lane - Photo 12](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f1071294839r.jpg) ![12021 Waterford Lane - Photo 13](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f2606110687r.jpg) ![12021 Waterford Lane - Photo 14](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f3008598659r.jpg) ![12021 Waterford Lane - Photo 15](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f2818450908r.jpg) ![12021 Waterford Lane - Photo 16](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f4083962841r.jpg) ![12021 Waterford Lane - Photo 17](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f778084094r.jpg) ![12021 Waterford Lane - Photo 18](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f3120702698r.jpg) ![12021 Waterford Lane - Photo 19](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f1121647466r.jpg) ![12021 Waterford Lane - Photo 20](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f612471756r.jpg) ![12021 Waterford Lane - Photo 21](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f85038303r.jpg) ![12021 Waterford Lane - Photo 22](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f3345757898r.jpg) ![12021 Waterford Lane - Photo 23](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f2538907366r.jpg) ![12021 Waterford Lane - Photo 24](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f5730047r.jpg) ![12021 Waterford Lane - Photo 25](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f1960061255r.jpg) ![12021 Waterford Lane - Photo 26](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f2326003263r.jpg) ![12021 Waterford Lane - Photo 27](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f3908166344r.jpg) ![12021 Waterford Lane - Photo 28](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f2016722486r.jpg) ![12021 Waterford Lane - Photo 29](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f1049208565r.jpg) ![12021 Waterford Lane - Photo 30](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f2445140371r.jpg) ![12021 Waterford Lane - Photo 31](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f517849442r.jpg) ![12021 Waterford Lane - Photo 32](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f745990575r.jpg) ![12021 Waterford Lane - Photo 33](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f746351958r.jpg) ![12021 Waterford Lane - Photo 34](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f613653587r.jpg) ![12021 Waterford Lane - Photo 35](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f420568704r.jpg) ![12021 Waterford Lane - Photo 36](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f4133122116r.jpg) ![12021 Waterford Lane - Photo 37](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f378364299r.jpg) ![12021 Waterford Lane - Photo 38](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f1279319817r.jpg) ![12021 Waterford Lane - Photo 39](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f2275293662r.jpg) ![12021 Waterford Lane - Photo 40](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f66788r.jpg) ![12021 Waterford Lane - Photo 41](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f847676721r.jpg) ![12021 Waterford Lane - Photo 42](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f1390578877r.jpg) ![12021 Waterford Lane - Photo 43](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f1590045081r.jpg) ![12021 Waterford Lane - Photo 44](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f4137501202r.jpg) ![12021 Waterford Lane - Photo 45](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f378365347r.jpg) ![12021 Waterford Lane - Photo 46](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f3513738521r.jpg) ![12021 Waterford Lane - Photo 47](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f3234248193r.jpg) ![12021 Waterford Lane - Photo 48](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f3870078177r.jpg) ![12021 Waterford Lane - Photo 49](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f3023485900r.jpg) ![12021 Waterford Lane - Photo 50](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f3023242933r.jpg) ![12021 Waterford Lane - Photo 51](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f201976358r.jpg) ![12021 Waterford Lane - Photo 52](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f1292711146r.jpg) ![12021 Waterford Lane - Photo 53](http://lh.rdcpix.com/47900b3f1e7af679343a732e55a2a4cfl-f913749021r.jpg) --- **MLS#:** 22132741 | **Updated:** 2026-10-24 **Source:** listhub *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.* [View on PropertySimple](https://www.propertysimple.ai/listing/12021-waterford-lane-carmel-in-46033-54be4e5865e9481fb9b2824f5d04b7ad) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/12021-waterford-lane-carmel-in-46033-54be4e5865e9481fb9b2824f5d04b7ad#listing", "url": "https://www.propertysimple.ai/listing/12021-waterford-lane-carmel-in-46033-54be4e5865e9481fb9b2824f5d04b7ad", "name": "12021 Waterford Lane, Carmel, IN 46033", "description": "Welcome to Waterford, a desirable Carmel, Indiana community where comfort, character, and convenience come together, with lawn maintenance included for easy living. 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