Clay Homes with Finished Basement

Welcome to Clay, Indiana—a hidden gem nestled in the heart of the Hoosier State. This charming region is known for its picturesque landscapes, friendly community, and a perfect blend of tranquility and convenience. With easy access to major highways, Clay offers residents the peace of rural living while being just a short drive away from bustling urban centers.

One of the standout features of homes in Clay is the abundance of properties with finished basements. These versatile spaces provide endless possibilities—whether you envision a cozy family room, a home office, or a vibrant entertainment area, the options are limitless. Finished basements not only enhance the living space but also increase the overall value of your home, making it a wise investment for families and individuals alike.

In addition to spacious interiors, Clay boasts a variety of outdoor activities, from scenic parks to local farmers' markets, ensuring there's always something to explore. The community is known for its strong sense of belonging, with friendly neighbors and local events that foster connections among residents.

Whether you're a first-time homebuyer or looking to upgrade your living situation, Clay’s real estate market offers a range of options tailored to your lifestyle. With homes featuring finished basements, you can enjoy the extra space you need while embracing the warmth and charm of this wonderful Indiana community. Come discover the beauty of Clay, where your dream home awaits!

Newest Clay Homes with Finished Basement

$885,000

3 Beds ⋅ 3 Baths

Luxury Ranch Living Just Steps from the Monon Trail! Discover refined, low-maintenance living in this beautifully refreshed former builder's model, ideally situated in one of Carmel's most desirable locations. Thoughtfully designed with sophisticated neutral finishes, this exceptional residence offers 3 bedrooms, 3 full baths, a private office, and a beautifully finished lower level. Rich hardwood floors, elegant architectural trim, custom built-ins, soaring 10-foot ceilings, and abundant natural light create an inviting atmosphere throughout. The gourmet kitchen features striking two-tone cabinetry, granite countertops, an expansive center island, and premium stainless steel appliances, seamlessly connecting to the spacious great room with a contemporary gas fireplace, breakfast area, and formal dining space. The main-level primary suite offers a private retreat with dual vanities, an oversized walk-in shower with dual showerheads, and a generous walk-in closet. The finished lower level provides additional space for entertaining, relaxation, or guests. Combining timeless elegance, modern comfort, and effortless main-level living, this exceptional home offers a wonderful opportunity to enjoy the Carmel lifestyle with convenient access to the Monon Trail, shopping, dining, and entertainment.

985 Oscar Lane, Carmel

Listing courtesy of Jennil Salazar. Compass Indiana, LLC

$1,799,000

6 Beds ⋅ 7 Baths

Lakefront living at its finest in Carmel's prestigious Windpointe. Set on a private 1.02-acre cul-de-sac lot with sweeping water views from nearly every room, this custom brick estate offers more than 8,000 finished square feet, 6 bedrooms, 6.5 baths, a heated pool and dock access. Car enthusiasts will love the attached 3-car garage (with 240V for level 2 charging) plus a second, fully climate-controlled 3-car garage with exposed brick, vaulted ceilings, epoxy floors, exercise room, wet bar, and a 2,000lb lift to its own basement. A grand two-story foyer with a sweeping staircase opens to the Great Room, where soaring arched windows frame the lake and a floor-to-ceiling double-sided brick fireplace. The formal dining room is ready for elegant entertaining. The chef's kitchen features white cabinetry with glass-front uppers, granite countertops, a center island with cooktop and breakfast bar, double convection ovens, and a bright breakfast area with stunning lake views. The main-level primary suite is a true retreat, with lake views, direct access to the backyard, and a spa-like bath with steam shower, jetted tub and dual vanities. A private guest suite has its own sitting room, kitchen, bedroom and full bath, ideal for multi-generational living. Upstairs are three bedrooms, a vaulted office with custom built-ins, and loft. The finished lower level is made for gathering, with a rec room featuring a fireplace, built-ins and wet bar, a media room with projection screen, exercise room, and a full bath. Outside, your private resort awaits: a heated in-ground pool with expansive pavers and deck overlooking the lake. Recent updates include most windows and doors, four HVAC systems, a tankless water heater and updated appliances. HOA amenities include a community pool, tennis courts, clubhouse and boat dock. A truly one-of-a-kind estate.

4984 Waterside, Carmel

Listing courtesy of Whitney Strange. Keller Williams Indy Metro NE

$465,000

3 Beds ⋅ 3 Baths

Now Available! Discover this custom 3-bedroom Carmel home, just minutes from everything central Carmel has to offer! Nestled in a wooded setting with a private backyard, this home offers the perfect blend of comfort, space, and privacy. The main-level primary suite features vaulted ceilings, a cozy fireplace, and direct access to the full-length back deck-perfect for relaxing and enjoying the peaceful surroundings. The fully finished walkout basement provides two additional bedrooms with private entries, a full bathroom, ample storage, and a bonus room, offering plenty of flexibility for guests, entertaining, or additional living space. Additional highlights include main-level laundry and a tranquil, secluded setting. Escape to your own private retreat while enjoying the convenience of central Carmel living!

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

$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

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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.

Clay Homes with Finished Basement

Newest Clay Homes with Finished Basement

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