Let's get the big questions answered first - YES, it's in Carmel, it has no HOA, it's just half a block from the Monon Trail, and it sits on a spacious 0.78-acre corner lot across from the Monon Center. That combination alone is rare - even if you're eyeing it just for the land with its mature trees and generous setting. But the home itself is just as impressive. Step onto the welcoming covered front porch and into the family room, featuring original, newly refinished hardwood floors and remote control operated window shades. The updated kitchen shines with stainless steel appliances, quartz countertops, tile backsplash, and modern finishes throughout. The backyard extends well beyond the side fencing, offering abundant space for entertaining, gardening, or future expansion. The oversized 624 sq. ft. garage provides exceptional storage and workspace. Recent upgrades include HVAC, tankless water heater, added insulation, backyard fencing, roof, patio, and kitchen and bathroom renovations. Enjoy low taxes, low utility costs, and move-in-ready comfort. Washer, dryer, and furniture are negotiable. Be sure to view the 3D tour and video walkthrough to experience this Carmel gem for yourself!