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12021 Waterford Lane, 
Carmel, IN 46033

$495,000


3

Beds


3

Baths


2,632

Sq Ft


Single Family

Pending

Listed by

Derek Gutting

Keller Williams Indpls Metro N

317-846-6300

Last updated:

October 26, 2026, 08:23 AM

MLS#

22132741

Source:

IN MIBOR | Licensed in Indiana

About This Home

12021 Waterford Lane

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!

Home Facts

Single Family

3 Baths

3 Bedrooms

Built in 1988

Subdivision & Development:

Waterford

Price Summary

495,000

$188 per Sq. Ft.

MLS #:

22132741

Last Updated:

October 26, 2026, 08:23 AM

Added:

4 day(s) ago


Rooms & Interior

Bedrooms

Total Bedrooms:

3

Bathrooms

Total Bathrooms:

3

Full Bathrooms:

3

Interior

Living Area:

2,632 Sq. Ft.


Structure

Structure

Architectural Style:

Ranch

Building Area:

2,720 Sq. Ft.

Year Built:

1988


Lot

Lot Size (Sq. Ft):

6,969


Finances & Disclosures

Finances

Price:

$495,000

Price per Sq. Ft:

$188 per Sq. Ft.

Source:IN MIBOR | Licensed in Indiana
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Contact an Agent

Yes, I would like more information. Please use and/or share my information with a Coldwell Banker ® affiliated agent to contact me about my real estate needs. By clicking Contact, I request to be contacted by phone or text message and consent to being contacted by automated means. I understand that my consent to receive calls or texts is not a condition of purchasing any property, goods, or services. Alternatively, I understand that I can access real estate services by email or I can contact the agent myself.

If a Coldwell Banker affiliated agent is not available in the area where I need assistance, I agree to be contacted by a real estate agent affiliated with another brand owned or licensed by Anywhere Real Estate (BHGRE®, CENTURY 21®, Corcoran®, ERA®, or Sotheby's International Realty®). I acknowledge that I have read and agree to the terms of use and privacy notice.