Comfort, privacy, and convenience come together in this beautifully maintained 4-bedroom, 2.5-bath Carmel home. Situated in a highly convenient location along 146th St. with easy access to major routes, shopping, and dining, this home also offers peace of mind with a newer HVAC system and Water Heater. With fresh paint and new carpet throughout, the practical layout is perfect for today's busy lifestyle, featuring a kitchen equipped with stainless steel appliances and organized storage thanks to a large laundry/pantry combo. Upstairs each bedroom includes a walk-in closet, while the versatile loft offers a flexible space that works perfectly as a home office, or playroom. Step outside to a fenced backyard with a durable Trex deck overlooking winding creek and nature preserve. Enjoy access to nearby neighborhood amenities, including parks, playgrounds, and fishing lakes. Plus close proximity to Dillon Park, featuring a frisbee golf course, splash park, and summertime band concerts. Note: The neighborhood HOA rental cap has been met; this property must be owner-occupied as a single-family residence.