Carmel Homes with Finished Basement

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, top-rated schools, and a thriving arts scene. With a population that values community and quality of life, it’s no wonder that this city consistently ranks among the best places to live in the United States.

One of the standout features of homes in Carmel is the abundance of properties with finished basements. These versatile spaces offer endless possibilities, whether you envision a cozy family room, a state-of-the-art home theater, or a dedicated gym. Finished basements not only enhance your living space but also provide an excellent way to increase the value of your home. Imagine hosting gatherings with friends and family in a beautifully designed lower level, or creating a serene retreat just steps from your main living area.

Carmel’s real estate market is as diverse as its residents, with homes that cater to a variety of tastes and lifestyles. From modern townhomes to sprawling estates, the options are plentiful. The city's commitment to green spaces means that you’ll find beautiful parks and walking trails just a stone's throw away from your doorstep.

With its blend of community spirit, cultural offerings, and beautiful homes featuring finished basements, Carmel is not just a place to live – it’s a place to thrive. Come discover why so many are proud to call this charming city home!

Newest Carmel Homes with Finished Basement

$465,000

3 Beds ⋅ 3 Baths

Now available...3 bedroom custom Carmel home minutes from so much of what central Carmel has to offer! Main floor primary bedroom with two additional bedrooms in the basement with a full bath! escape to your own wooded getaway.

3358 Eden Village Place, Carmel

Listing courtesy of Brett Young. eXp Realty, LLC

$405,000

2 Beds ⋅ 3 Baths

Ready to upgrade from hanging out in Carmel to "I live here"? This end-unit townhouse puts you right in the middle of the fun. Over 50 restaurants and hundreds of shops are a short walk away-so close you might start debating whether you even need a car. Music at the magical Palladium, the farmers' market, and Christkindlmarkt are all basically your neighbors. Cross the street and the Monon Trail is waiting. A quick bike ride and you're in the woods at Central Park, or hanging at the Monon Center and waterpark. Inside, the place feels like home the second you walk in-bright and full of light, with a fireplace that knows how to set a cozy mood. It's been refreshed with a newer roof, siding, carpet, paint, HVAC, dishwasher, stove, and water heater, so you can skip the "project list" and get straight to enjoying it. Both bedrooms come with their own private baths (sharing is overrated), and the heated 2-car garage keeps your cars as comfortable as you are. Carmel living, minus the hassle. Sound like your life? Come take a look today.

453 American Way S, Carmel

Listing courtesy of Joshua Carpenter. Trueblood Real Estate

$495,000

4 Beds ⋅ 4 Baths

This beautifully maintained 4 bedroom, 3.5 bathroom home offers a thoughtfully designed floor plan with 9 foot ceilings throughout . Recently updated with new flooring, new appliances, new stainless hood, and granite countertops !! The main level features a separate formal dining room, in addition to a breakfast nook off the kitchen, laundry room, and spacious family room with gas fireplace, in addition to an office or sitting room. There is also a patio that overlooks the quiet & private backyard, ideal for outdoor living and entertaining . Upstairs, the private primary suite featuring a large walk in closet, double sinks, garden tub, and separate shower, creating a peaceful retreat. Upstairs level also includes a huge 4th bedroom or a playroom area, and two additional bedrooms along with another bath .Additional features include lower level offers incredible flexibility with an entertainment room, and a wet bar plus a full bathroom. Highly desired Carmel location close to shopping, dining, parks, and top rated schools, this home offers comfort, flexibility, and room to grow.

1373 Hinault Way, Carmel

Listing courtesy of Keith Albrecht. RE/MAX Elite Properties

$725,000

5 Beds ⋅ 3 Baths

Wow! Tons of updates in this 5bd 3ba home with huge fenced yard, finished basement and great floorplan! Dont miss the hidden pantry in the kitchen! Wet bar in basement. Recent updates include kitchen, cabinets, counters, tile, flooring, windows, Hvac, plumbing, electrical, deck, garage door, fixtures, paint inside and out, landscaping, the list goes on and on!

12223 Castle Court, Carmel

Listing courtesy of Garrett Brooks. United Real Estate Indpls

$585,000

4 Beds ⋅ 3 Baths

Wow! Tons of updates in this 4bd 2.5 bath home with large finished basement, office and private yard! Great open floorplan and tons of updates throughout. Recent updates include kitchen, bathrooms, cabinets, quartz counters, tile, luxury LVP flooring, carpeting, vanities, fixtures, electric, plumbing, paint inside and out, and the list goes on and on!

1692 White Ash Drive, Carmel

Listing courtesy of Garrett Brooks. United Real Estate Indpls

$1,650,000

4 Beds ⋅ 5 Baths

Breathtaking Estate sits on 3 ACRES tucked away on a quiet lane in SPRINGMILL STREAMS. Classic charm meets an extraordinary park-like setting, where tranquil Williams Creek winds through serene woods, creating a private retreat in the heart of Carmel. Inside, a highly coveted main-level primary suite offers ease, while an additional 3 bedrooms, bonus room & loft area upstairs provide versatility. The inviting family room is anchored by a stately brick-lined fireplace, with floor-to-ceiling windows that capture beautiful views of the expansive grounds. A brick-laid entry and handsome wood-paneled office add character and timeless sophistication. A formal dining room offers space for entertaining & the kitchen features double ovens, a center island and casual eat-in area. Just beyond, the all-season sun porch is the perfect spot for morning coffee to take in the changing seasons. The finished basement adds 2 separate rec areas, providing flex space for movie nights, fitness, or hobbies. The oversized 3-car garage has additional space for equipment & storage. A 2-yr old roof and newer mechanicals offer peace of mind, with many important improvements already in place. Outside, find footpaths and a charming bridge leading to an idyllic setting for picnics, campfires, and making memories. This level of privacy, natural beauty, and acreage is a unique treasure. A sanctuary that feels worlds away while keeping you connected to everything you love about Carmel.

507 Cornwall Court, Carmel

Listing courtesy of Johanna Gallagher. The Springmill Collective

$1,075,000

6 Beds ⋅ 4 Baths

A rare find in Carmel's prestigious Eden Estates neighborhood-over 5,000 square feet of estate-like living tucked into a quiet cul-de-sac just minutes from downtown Carmel. Set on 1.1 acres of gently rolling, wooded grounds with a creek, mature trees, this charming retreat combines timeless character and thoughtful updates with an extraordinary park-like setting. The spacious kitchen welcomes gatherings with gorgeous new quartz countertops and tile backsplash (2026), spectacular oversized center island, separate refrigerator and freezer, and bar seating overlooking the family room and its inviting gas fireplace and built-in shelving. Beautiful hardwood floors, generous formal living and dining spaces, and windows throughout bring warmth, flexibility, and scenic views into everyday living. A large main-floor bedroom, currently used as an office, sits conveniently across the hall from the full bathroom offering an option for main-level living. A spacious mudroom with built-in cabinetry keeps everything organized. Upstairs, four generously sized bedrooms provide room to spread out, complemented by exceptional closet and storage space throughout the home. The comfortable walkout basement features a game room, kitchen and bar area, gas fireplace, bedroom, and full bath, plus an additional flex room ideal for a workout room or office. Extensive basement storage adds practical appeal. Enjoy the surrounding nature year-round from the four-season sunroom, relax on the screened porch, or entertain on the composite deck with an awning. A fire pit and hardscape patio, private basketball court, and wooded creek setting make the outdoors just as inviting as the interior. A three-car garage, dual-zone HVAC (new in 2024), Gutter Guards (2023) and two 75-gallon water heaters complete this distinctive property-the perfect combination of character, comfort, and setting. Home exterior was tuckpointed in 2024.

3623 Brumley Way, Carmel

Listing courtesy of Jennifer Wolfe. Epique Inc

$1,400,000

3 Beds ⋅ 3 Baths

Seven acres in the heart of Carmel. Westfield Schools. An opportunity this rare may not come around again. Tucked away beneath a canopy of mature trees, this extraordinary property offers something nearly impossible to replicate: approximately 7 private acres in one of Hamilton County's most desirable locations. Secluded and serene, yet remarkably close to everything Carmel and Westfield have to offer, this is a property designed for buyers who value privacy, space, and possibility. The ranch-style residence underwent a full renovation in 2024 and features a walkout lower level, main-level primary suite, two full baths on the main floor, and additional bedrooms below. An elevator installed in 2024 provides convenient access between levels, while the heart of the home is centered around an impressive oversized kitchen island made for entertaining, gathering, and hosting on a grand scale. The outdoor spaces are every bit as compelling. A new Trex deck spanning the length of the home overlooks the wooded grounds, while the walkout level opens to an expansive paver patio surrounded by established landscaping, a waterfall and pond, and the sights and sounds of nature. Deer are frequent visitors, and mature trees create a level of privacy increasingly difficult to find in this location. Perhaps the property's most unforgettable feature is its remarkable working greenhouse-a truly special structure unlike anything you'll find in a typical residential setting. A barn previously used for horses, a brand-new gravel driveway, and an additional pond toward the rear of the acreage add to the estate-like setting. And then there is the potential. With seven acres in Carmel, Westfield Schools, and Cool Creek Park nearby, this property presents an extraordinary canvas for its next owner. Enjoy the beautifully renovated existing residence, create an equestrian retreat, expand the estate, or envision an entirely new construction tucked back on the property.

15647 Westfield, Carmel

Listing courtesy of Cara Ahrens-Roemer. Berkshire Hathaway Home

$925,000

6 Beds ⋅ 6 Baths

Welcome to this spacious 6-bedroom home offering comfort, functionality, and inviting indoor-outdoor living! A main-level bedroom with full attached bath is ideal for guests or multigenerational living, complemented by a formal powder room. The main level also features a sunroom/study, great room with fireplace, formal dining room, and eat-in kitchen with gas range and pantry. The family foyer has an organization area, a charging station and connects to the 3-car attached garage. Upstairs, the primary suite offers a walk-in closet and en-suite bath with soaking tub and separate tiled shower. A second bedroom has its own en-suite bath, while two additional bedrooms share a Jack-and-Jill bath. Second-floor laundry adds convenience. The expansive finished basement expands your living space with a large recreation room, theater room, gym, sixth bedroom, full bath, and additional storage. Enjoy outdoor entertaining on the freshly painted deck and newer patio, complete with an outdoor kitchen featuring a built-in gas grill, counters, and storage. Mature arborvitae provide privacy, while peaceful pond views create a serene backdrop. With room for a dining table seating 12 and multiple indoor and outdoor gathering spaces, this home is perfect for family life and entertaining. Updates include new carpet on the first and second floors (2024), fresh paint in the second-floor bedrooms and laundry room (2024), all new toilets (2025), and a new furnace installed December 2025. The AC, roof, and water heater date to 2015. Located in a friendly, welcoming neighborhood, the home is convenient to multiple grocery stores and restaurants and approximately 10 minutes from downtown Carmel, Fishers, and Noblesville. With six bedrooms, versatile living spaces, and a tranquil outdoor setting, your own private staycation awaits!

14494 Arnett Drive, Carmel

Listing courtesy of Gita Kapur. Berkshire Hathaway Home

$530,000

4 Beds ⋅ 4 Baths

This beautiful newly updated home in Carmel offers well over 3000+ square feet of well balanced interior showcasing modern open concept with cozy comforts of personal space. All bedrooms and suites are on the upper level along with loft space and laundry adding easy living accommodations. The main level offers two separate family rooms that can be defined for formality or entertainment. The new kitchen boast energy efficient stainless steel touch resistance appliances, gorgeous luxury grade quartz countertops, and stunning glass tile backsplash. All the lighting and fixtures throughout the home have been updated and replaced for a modern and classicly updated style. Of course the best addition is the HUGE FINISHED BASEMENT that boasts a half bathroom, projector pre wiring completed, and large storage room for all your hobbies and extras! The extra large lot in this seasoned subdivision offers views of weeping willows for privacy and plenty of space for kids, gardeners, and entertainers alike! Nestled in the upper west side of Carmel is has incredible access to Arts and Design District, Clay Terrace, Midtown, and MORE! The Carmel Clay Schools District is still rated one of the best in the state offering the bus stop less than 50 ft away from your front door. Come see this gem before its gone!

14531 Baldwin Lane, Carmel

Listing courtesy of Lindsey Mounce. Tyler Knows Real Estate LLC

$750,000

4 Beds ⋅ 5 Baths

Welcome to this beautifully maintained two story home in the heart of Carmel! Offering 4 bedrooms, 3 full baths, 2 half baths; this inviting home combines elegance with comfortable everyday living. The spacious primary suite features a tray ceiling, luxurious bath with a separate soaking tub, walk in tile shower, dbl. sinks in an oversized vanity and generous walk in closet. A private office with raised ceiling and custom built ins is a perfect work from home space. Host holiday gatherings in the formal dining room and gather in the light filled great room featuring a vaulted ceiling and gas fireplace. The inviting kitchen features professionally painted cabinetry, granite counter tops, a breakfast bar, pantry and hardwood floors. The second level Includes two bedrooms that share a jack and jill bath and the 3rd bedrooms upstairs has a private bath attached. Freshly painted ceilings, walls, trim, and doors throughout give this home a bright, refreshed feel. The finished basement offers additional living and entertaining space along with abundant storage. Step outside to your own backyard retreat featuring a spacious deck, fully fenced rear yard, and sparkling in ground heated pool. -perfect for gathering friends and family. A wonderful opportunity to enjoy spacious living, exceptional outdoor amenities, and a prime Carmel location.

11582 Sutton Place Drive E, Carmel

Listing courtesy of Suzanne Kappen. CENTURY 21 Scheetz

$429,900

3 Beds ⋅ 3 Baths

Highly desirable 3 bedroom, 2 1/2 bath end unit condo located in the heart of downtown Carmel. Freshly updated with new kitchen and appliances, paint and flooring throughout. Huge walk-in closet in primary bedroom suite with separate bath and powder area. Private fenced courtyard with two car detached garage. Constructed in 1975, this 2021-square-foot residence offers a timeless floor plan spread across two stories with a finished basement, providing a balanced layout for comfortable living. Its enduring structure provides a solid foundation for those seeking a property that blends classic character with a convenient residential lifestyle. Private courtyard with mature trees along with a patio off the living room gives excellent separation and outdoor living. The interior layout spans two levels, maximizing the 2021 square feet of living space to create distinct areas for rest and privacy. With three bedrooms, the home offers the flexibility to designate spaces for sleeping, a home office, or a creative studio. The arrangement of these rooms ensures that every member of the household has a comfortable place to retreat at the end of the day. This configuration supports a streamlined morning routine and provides easy access for guests, ensuring that the home functions efficiently for daily use. Spanning a 1,742-square-foot lot, this condominium represents a practical opportunity to secure a well-situated home in the heart of Carmel. Contact us today to schedule your private tour and experience the potential of this Carmel condominium firsthand.

392 Aspen Drive, Carmel

Listing courtesy of Chad Hughes. H & H Realty

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Listings courtesy of MIBOR Broker Listing Cooperative as distributed by MLS GRID.

Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker of MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some listings have been excluded from this website.

Carmel Homes with Finished Basement

Newest Carmel Homes with Finished Basement

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