Carmel Homes under $400,000

Carmel Homes under $400,000

Welcome to Carmel, Indiana – a vibrant city that beautifully blends suburban charm with urban sophistication. Nestled in Hamilton County, Carmel is renowned for its picturesque parks, thriving arts scene, and family-friendly atmosphere. With its tree-lined streets and meticulously maintained neighborhoods, it's no wonder that residents take immense pride in calling this city home.

Carmel boasts a rich tapestry of culture and community, featuring an array of shops, restaurants, and entertainment options that cater to all tastes. The city is particularly famous for its stunning Arts & Design District, where you can explore galleries, boutiques, and delightful eateries. Outdoor enthusiasts will revel in the expansive network of trails and parks, including the popular Central Park, which offers recreational activities for all ages.

For those seeking a home in this enchanting city, there are a variety of options available under $400,000. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, Carmel’s real estate market has something for everyone. From charming single-family homes to modern townhouses, you’ll find properties that offer both comfort and style without breaking the bank.

Carmel’s excellent school system and strong sense of community make it an ideal place to settle down. With its blend of suburban tranquility and urban amenities, it’s easy to see why so many are drawn to this remarkable city. Explore the possibilities and discover your dream home in Carmel today!

Newest Carmel Homes under $400,000

72 Parkview Road
$399,000
4 Beds ⋅ 3 Baths ⋅ 46032 Zip Code
Lovely 4-bedroom, 2.5-bath home in the Village of Mt Carmel is ready for your touch! An amazingly beautiful private yard is the perfect setting for cool fall nights of chilling and grilling. The updated kitchen is a dream with quartz counters, a farmhouse sink, soft-close cabinets, and a stylish backsplash, surrounded by natural light. The beautiful sliding glass door leads to the plush and private backyard. Enjoy the circular floor plan, including a formal dining room, living room, and eat-in kitchen. The upper level features 4 bedrooms, including a primary en-suite and a large walk-in closet, which are hard to find at this price. A newer water heater, recessed lighting, and a BRAND NEW ROOF (happening soon) round out the list of exceptional updates and features in this highly sought-after Carmel home. Access to the pool and tennis courts is available with a voluntary HOA fee. Ease of access to US 31/Keystone, Meridian, Downtown Carmel, shops, restaurants, and more! Schedule your showing today before this one is SOLD!

72 Parkview Road

Listing courtesy of eXp Realty, LLC.

1404 Orchard Park Drive N
$359,500
3 Beds ⋅ 2 Baths ⋅ 46280 Zip Code
Fabulous Mid Century Modern Full Brick Ranch with lots of updates in the very popular Orchard Park neighborhood of south Carmel. Central location convenient to everything in Carmel and north Indy (Shopping + restaurants, etc.) + only two blocks to the 25+ mile long Monon Trail + only six blocks to Central Park on the Monon Trail (Indoor + outdoor swimming pools + playground + picnic pavilion + Water Park + Fitness Center + Skate Park + Dog Park + Lakes for fishing + Trails + recreation areas). This charming home is located just south of 106th just west of Westfield Blvd (Rangeline Rd) between Keystone and Meridian only 3-5 minutes to I-465. Very private setting on a beautiful lot with fully fenced back yard with large trees + fire pit + two level deck and patio + 12X8 storage barn! Newer Hardwood Floors ('22) in most areas + New Luxury Vinyl Plank floor and authentic "Barn Doors" in the Living Room + Fresh New Interior and Exterior Paint! Updated "raised panel" wood kitchen cabinets, updated counters, stainless steel refrigerator ('25) + gas range/oven ('25) + microwave (Sept '26). Updated bathrooms + six panel doors + large foyer w/slate and hardwood floor + covered front porch + long lasting metal roof + garage with workshop area, cabinets, garage door opener, keyless entry and service door to patio. Updated Lennox gas furnace + water heater ('19) + new lighting throughout ('26) + security system + programmable thermostat. Laundry room with new washer + dryer ('25).

1404 Orchard Park Drive N

Listing courtesy of Berkshire Hathaway Home.

9750 Herring Gull Drive
$295,000
2 Beds ⋅ 2 Baths ⋅ 46280 Zip Code
Envision a low maintenance lifestyle in this FIRST FLOOR unit at the popular Retreat located enviously close to the Monon Trail and Monon Center! Enjoy your morning coffee on your north facing patio as you have no neighbors behind in this well maintained community! The primary bedroom boasts a lengthy window seat as well as bookshelves for your art pieces and a desk to organize your day! Both bedrooms have spacious walk-in closets - this condo has a generous amount of storage and the oversized 2 car garage gives you even more options for built-ins or a workshop. The addition of new 10' walking/biking paths along Rangeline make it a breeze to travel to Carmel attractions & restaurants. Minutes to I465 access, Broad Ripple, Fashion Mall and Nora restaurants as well!

9750 Herring Gull Drive

Listing courtesy of F.C. Tucker Company.

1296 Shadow Ridge Road
$315,000
2 Beds ⋅ 2 Baths ⋅ 46280 Zip Code
Enjoy low-maintenance living at The Retreat at Carmel, where the HOA handles lawn care, snow removal, and exterior maintenance. This 2-bedroom, 2-bath condo offers 1,650 square feet with bedrooms on opposite sides for added privacy. The great room features a gas fireplace, and the kitchen offers granite countertops, stainless steel appliances, a breakfast bar, and a pantry. Both bedrooms have walk-in closets, while the primary suite includes a private bath with a garden tub. Relax on the covered balcony overlooking the community's green space, and enjoy the attached 2-car garage. The water heater and AC are each only 3 years old. The Retreat offers a resort-style pool, clubhouse, 24-hour fitness center, tennis and pickleball courts, walking trails, and direct access to the Monon Trail. This great Carmel location also puts you near the Fashion Mall at Keystone, restaurants and shopping along the Keystone corridor, and downtown Carmel's Arts & Design District.

1296 Shadow Ridge Road

Listing courtesy of Janko Realty Group.

558 W Hunters Drive
$209,900
2 Beds ⋅ 1 Baths ⋅ 46032 Zip Code
This beautifully maintained home offers a peaceful retreat within walking distance of Niemann Market, Flix Brewhouse, the Palladium, and downtown Carmel festivities. The spacious family room opens to a lovely sunroom, creating a relaxing place to unwind. The kitchen features granite countertops, a tile backsplash, stainless steel appliances, laminate hardwood flooring, and a cozy breakfast nook. A separate dining room provides space to entertain or could serve as a home office. The inviting primary suite includes a walk-in closet and an attached bath with quartz countertops. A large second bedroom or den sits on the opposite side of the home for added privacy, while a fireplace adds warmth and ambiance. Enjoy summer days at the neighborhood clubhouse and pool, plus the convenience of a covered carport year-round.

558 W Hunters Drive

Listing courtesy of Keller Williams Indpls Metro N.

536 E Hunters Drive
$249,999
2 Beds ⋅ 2 Baths ⋅ 46032 Zip Code
Welcome to low maintenance living, walkable to shops and restaurants in Carmel for under 250k! Great price and great area! This is an exceptionally well-maintained condo with 1626 sq ft. Currently configured as 2 bedrooms with a den, this could *easily* be made into a 3 bedroom unit. The HOA covers your water and sewer, in addition to trash, lawn care, snow removal, clubhouse, pool, and more! This home is equipped with newer appliances and mechanicals like the kitchen range with integrated air fryer, newer washer/dryer, HVAC with high-end UV air cleaner, and water heater. Finishes include granite counters in the kitchen and baths, bamboo hardwood flooring in the foyer and hallway, crown molding, easy open door handles, Delta fixtures, a gas fireplace, and an outstanding porch area with beautiful views. This unit also includes a deeded covered carport parking space and a large storage closet on the ground level. Located close to everything Carmel has to offer, this condo is clean, newly painted, extremely well cared for, and truly move-in ready. Come see it today!

536 E Hunters Drive

Listing courtesy of Trueblood Real Estate.

9762 Herring Gull Drive
$310,000
2 Beds ⋅ 2 Baths ⋅ 46280 Zip Code
Low maintenance end unit condo with 2 beds, 2 baths and incredible amenities in Hamilton County/Carmel Clay Schools! This serene upper-level home has a covered balcony overlooking trees, a split floorplan and a cozy gas fireplace in a quiet and well-kept community. Enjoy walk-in closets in each bedroom, custom white shutters throughout the home and a dedicated laundry room (washer/dryer included). There are stainless steel appliances, plenty of cabinets and a pantry in the bright kitchen. The truly spacious 2 car garage has extra space for hobby gear or additional storage. There is a useful storage closet on the covered balcony also. The water heater is brand new while the A/C and furnace are only 2 years old. The luxurious pool area, pickleball/tennis courts and walking trails surround a large pond with peaceful fountains. There is an easy walking path straight to the Monon Trail and open grassy fields for all kinds of recreation. A hard to beat location just minutes from the Carmel Arts & Design District, Clay Terrace, Nora, I-465 and more. Quick access to downtown Indianapolis via Meridian Street, north to Carmel or to 96th Street, Keystone at the Crossing and more. Some of Greater Indy's best shopping, dining and recreational spots like Central Park (featuring trails, playgrounds, a dog park and water park) are just minutes from this condo. Move in and relax!

9762 Herring Gull Drive

Listing courtesy of Keller Williams Indy Metro NE.

1160 Birnam Woods Trail
$323,000
3 Beds ⋅ 2 Baths ⋅ 46280 Zip Code
Discover a timeless single-family residence at 1160 Birnam Woods TRL in CARMEL, IN. Built in 1957, this charming 1325 square foot ranch offers comfortable living on a generous 17860 square foot lot, embodying a classic architectural style yet perfect for modern living! Located in A+ Carmel School District! This inviting home features 3 bedrooms, providing ample personal space and comfort. A full bathroom and an additional half bathroom to cater to both daily routines and guest convenience. The single-story layout ensures effortless flow throughout the home, enhancing its welcoming atmosphere. This home has both a Living room and Large Family room creating space for separate spaces for entertaining/ office space and or formal living area. There is also a light filled eat in kitchen area opening out to the fully fenced back yard! Perfect for weekend gatherings & s'mores around a fire pit. Lots of room for kids and pets to play! Newer wider paved driveway with extra parking space for boat, camper, or cars!! One car garage that is extra deep with room for a work bench and storage! Easy access to the Monon Trail right in the neighborhood! The Monon Center is a short bike ride away! Rosies Garden Center just across College Ave. Shopping and Grocery Stores all close by. NO HOA!! Embrace the opportunity to create your next chapter in this delightful property. Inquire today to schedule your private viewing and experience the potential of 1160 Birnam Woods TRL. TAXES REFLECT NO EXEMPTIONS

1160 Birnam Woods Trail

Listing courtesy of CENTURY 21 Scheetz.

1423 Shadow Ridge Road
$300,000
2 Beds ⋅ 2 Baths ⋅ 46280 Zip Code
Make the Discovery... Warm & striking 2 bedroom, 2 full bathroom condominium in the desirable Retreat neighborhood of Carmel, now beautifully refreshed and move-in ready! The open concept living area welcomes you with elegant crown molding and a cozy fireplace anchoring the spacious great room. Fresh interior paint, all new carpet, three new ceiling fans, five new hallway lights, a new thermostat, and new smoke detectors add to the home's fresh, updated feel. The kitchen has been given a bright new look with freshly painted white cabinetry, new cabinet hardware, and brand new stainless steel refrigerator and microwave, along with a convenient breakfast bar and plenty of storage. Both bathroom vanities have also been freshly painted white, creating a clean and cohesive look throughout the home. The primary suite features a walk-in closet and private ensuite bathroom complete with a walk-in shower. A brand new water heater provides another valuable update, and the washer and dryer are included. Step outside to enjoy the private covered patio, perfect for fresh air and relaxation. Enjoy low maintenance living in a well-established community with amenities including a park, walking trails connected to the Monon Trail, community pool, tennis and basketball courts, and a clubhouse featuring a 24-hour fitness center, steam sauna, and conference room. Located within award-winning Carmel Clay Schools and just moments from Keystone at the Crossing and Midtown Carmel. With so many recent updates already completed, all that's left to do is move in and make it yours. Seeing is believing!!

1423 Shadow Ridge Road

Listing courtesy of AMR Real Estate LLC.

5853 Lost Oaks Drive
$389,900
3 Beds ⋅ 2 Baths ⋅ 46033 Zip Code
Get ready to fall in love with this 3-bed, 2-bath ranch in peaceful Lost Oaks at Haverstick. Large corner lot and fenced-in yard back up to a wooded common area. Heated and cooled sunroom steps out to a paver patio and garden, perfect for outdoor entertaining or quiet mornings. Vaulted living room with cozy gas fireplace. Eat-in kitchen with pantry, breakfast bar, and separate dining area. Vaulted primary suite has a full bath and walk-in closet. Split floor plan ensures privacy for all. Two-car garage with extra space for a workbench and storage. Recent updates include new carpet and paint; all appliances stay.

5853 Lost Oaks Drive

Listing courtesy of F.C. Tucker Company.

3540 Golden Gate Drive N
$330,000
2 Beds ⋅ 3 Baths ⋅ 46074 Zip Code
Welcome home to this 3-story townhome in the sought-after Townhomes at Stanford Park in Carmel. This home offers a unique double primary suite layout with two spacious bedroom suites on the upper level, each featuring its own private bath. The main floor is designed for both everyday living and entertaining, featuring a bright, open layout with a kitchen complete with stainless steel appliances, stained cabinetry, and LVP flooring. The adjoining great room and dining area create an inviting gathering space, highlighted by a cozy gas fireplace and a sliding glass door to exterior balcony. The lower level offers exceptional flexibility with a bonus room ideal for a home office, fitness space, or media room. An unfinished storage area is already pre-plumbed for a bathroom, providing an opportunity to create a third bedroom suite or additional finished living space. ne of the home's most desirable features is its setting. Enjoy unobstructed views of the fully irrigated football field maintained by Carmel Dad's Club, providing open green space and privacy rarely found in townhome living. With no direct views into neighboring homes from any direction, this location offers a unique sense of privacy. Additional updates include new carpet on the lower and main levels in 2024, LVP in kitchen and main bathroom in 2024, a water heater installed in 2022 with warranty coverage through May 2031, and a smart garage door opener. The low-maintenance exterior features a full brick front with attractive brick and HardiePlank siding on the rear. Conveniently located near shopping, dining, and everything Carmel has to offer, this move-in-ready home presents an outstanding opportunity for investors and homeowners seeking low-maintenance living in a prime location. Washer and dryer excluded from sale.

3540 Golden Gate Drive N

Listing courtesy of Ridgeline Realty, LLC.

12863 Tradd Street
$257,500
2 Beds ⋅ 2 Baths ⋅ 46032 Zip Code
Enjoy first-floor living in the heart of the Village of WestClay! This updated 2-bedroom home offers over 1,200 sq. ft. of comfortable living space, plus a private one-car garage with interior access. Inside, you'll find granite countertops, stainless steel appliances, spacious bedrooms, a walk-in closet, and convenient in-unit laundry. Step outside to your private porch and fenced-in outdoor area-perfect for relaxing or enjoying some fresh air. The HOA includes access to incredible Village of WestClay amenities, including pools, a fitness center, clubhouse, tennis courts, walking trails, and beautiful green spaces throughout the community. Located just minutes from shopping, restaurants, coffee shops, parks, and everything Carmel has to offer!

12863 Tradd Street

Listing courtesy of The Stewart Home Group.

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