NOT LISTED FOR SALE

1645 E 109th St Carmel, IN 46280

Downtown Carmel Neighborhood

Estimated Value: $507,186

3 Beds

2 Baths

2,600 Sq Ft

$195/Sq Ft Est. Value

Date Sold: May 13, 2026

Last sale price $650,000 $250 Per Sq Ft

Est. 22% decrease in value since last sale

Current estimated payment $3,071 / mo

2 Days on Market

Highlights

View of Trees or Woods
3 Acre Lot
Deck
Updated Kitchen
Mature Trees
Cathedral Ceiling

About This Home

As of May 2026

3 ACRES IN CARMEL WITH NO HOA!? LOOK NO FURTHER - THIS ADORABLE 3/2 RANCH HAS SO MUCH NATURAL LIGHT & GORGEOUS UPDATED HARDWOODS IN GREAT ROOM, HALLWAY & ALL BEDROOMS! SPACIOUS CLOSET SPACE IN ALL BEDROOMS! GREAT ROOM HAS SOARING VAULTED CEILING, COZY FIREPLACE & BUILT-INS. EXTERIOR IS A DREAM W/ CHICKEN COOPS (YES, CHICKENS ALLOWED), GREENHOUSE, GARDEN & LOADS OF FRUIT TREES/BUSHES - EVERY BERRY PLUS PEACHES & PEARS & APPLES! THERE IS AN ELECTRIC DOG FENCE AROUND ENTIRE PROPERTY! WALKOUT BASEMENT HAS FINISHED ROOM W/ HARDWOODS THAT CAN FLEX AS ADDTIONAL LIVING, OFFICE, GYM, ETC! EV CHARGER ADDED TO GARAGE! SWEEPING VIEWS OF PASTURES, GARDENS & SO MUCH PRIVACY! THIS SALE INCLUDES A TOTAL OF 4 PARCELS, SO PLEASE ENSURE PURCHASE AGREEMENT INCLUDES THEM ALL. **OFFERS DUE SATURDAY, 4/25 AT NOON**

Last Agent to Sell the Property

Kristie Smith

Indy Homes Brokerage Email: ksmith@indyhomes.com License #RB14028993 Listed on: 04/22/2026

Co-Listed By

Tracey O'Brien

Indy Homes Brokerage Email: ksmith@indyhomes.com License #RB18000986

Last Buyer's Agent

Steven Schell

White Stag Realty, LLC License #RB24000596

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Home Details

Home Type

Single Family

Est. Annual Taxes

$3,396

Year Built

Built in 1935

Lot Details

3 Acre Lot
Mature Trees
Wooded Lot
Additional Parcels

Parking

2 Car Attached Garage
Electric Vehicle Home Charger
Workshop in Garage
Garage Door Opener

Property Views

Woods
Pasture
Creek or Stream
Garden

Home Design

Traditional Architecture
Block Foundation
Stucco
Cedar

Interior Spaces

1-Story Property
Woodwork
Cathedral Ceiling
Paddle Fans
Wood Burning Fireplace
Entrance Foyer
Great Room with Fireplace
Breakfast Room
Attic Access Panel

Kitchen

Updated Kitchen
Eat-In Kitchen
Gas Oven
Dishwasher
Disposal

Flooring

Wood
Ceramic Tile

Bedrooms and Bathrooms

3 Bedrooms
Walk-In Closet
2 Full Bathrooms

Laundry

Dryer
Washer

Finished Basement

Walk-Out Basement
Sump Pump with Backup
Laundry in Basement

Home Security

Radon Detector
Fire and Smoke Detector

Outdoor Features

Deck
Wrap Around Porch
Pole Barn

Schools

Forest Dale Elementary School
Carmel Middle School
Carmel High School

Utilities

Forced Air Heating and Cooling System
Heating System Uses Natural Gas
Private Water Source
Well
Gas Water Heater
Water Softener is Owned

Community Details

No Home Owners Association

Listing and Financial Details

Tax Lot 1
Assessor Parcel Number 291301406014000018
Seller Concessions Not Offered

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,396

Year Built

Built in 1935

Lot Details

3 Acres

Parking

Listing Details

Property Sub Type: Single Family Residence
Architectural Style: Traditional
Property Type: Residential
New Construction: No
Tax Year: 2024
Year Built: 1935
Building Area Total: 2600
Garage Y N: Yes
Lot Size Acres: 3
Subdivision Name: No Subdivision
Transaction Type: Sale
Website: www.indyhomes.com
Accessibility Features YN: No
Attribution Contact: ksmith@indyhomes.com
Special Features: None

Interior Features

Basement: Yes
Basement Type: Finished Ceiling, Walk-Out Access, Finished Walls
Appliances: Dishwasher, Dryer, Disposal, Gas Oven, Refrigerator, Washer, Gas Water Heater, Water Softener Owned
Levels: One
Full Bathrooms: 2
Total Bathrooms: 2
Total Bedrooms: 3
Below Grade Sq Ft: 624
Fireplace Features: Great Room, Wood Burning
Fireplaces: 1
Interior Amenities: Attic Access, Cathedral Ceiling(s), Ceiling Vaulted, Entrance Foyer, Paddle Fan, Hardwood Floors, Eat-in Kitchen, Pantry, Walk-In Closet(s), Wood Work Painted
Living Area: 2600
Other Equipment: Radon System, Sump Pump w/Backup
Areas Interior: Bedroom Other on Main,Laundry in Unit
Eating Area: Breakfast Room
Basement Full Bathrooms: 0
Main Level Full Bathrooms: 2
Main Level Sq Ft: 1976
Basement Half Bathrooms: 0
Main Half Bathrooms: 0
Kitchen Features: Kitchen Some Updates
Upper Level Sq Ft: 0
MBR_RoomFlooring: Tile-Ceramic
MBR_RoomFlooring: Hardwood
MBR_RoomFlooring: Hardwood
MBR_RoomFlooring: Tile-Ceramic
MBR_RoomFlooring: Hardwood
MBR_RoomFlooring: Hardwood
MBR_RoomFlooring: Hardwood
MBR_RoomFlooring: Hardwood

Exterior Features

Construction Materials: Cedar, Stucco
Direction Faces: North
Exterior Features: Barn Pole
Fencing: Fence Complete, Gate, Invisible, Wrought Iron
Foundation Details: Block
Other Structures: Outbuilding
Patio And Porch Features: Covered, Deck, Wrap Around
View: Creek/Stream, Garden, Pasture, Trees/Woods
View Y N: Yes
Waterfront: No

Garage/Parking

Garage Spaces: 2
Parking Features: Attached, Gravel, Electric Vehicle Service Equipment (EVSE), Garage Door Opener, Workshop in Garage
Garage Parking Other: Garage Door Opener

Utilities

Utilities: Cable Available, Electricity Connected, Natural Gas Available, Sewer Connected
Cooling: Central Air
Heating: Forced Air, Natural Gas
Laundry Features: In Basement
Security Features: Smoke Detector(s)
Water Source: Well, Private
Solid Waste: No

Condo/Co-op/Association

Association YN: No

Schools

Middle Or Junior School: Carmel Middle School

Lot Info

Lot Features: Not In Subdivision, Mature Trees, Wooded
Property Attached Yn: No
Additional Parcels Description: 4 TOTAL LOTS
Additional Parcels: Yes
Horse Amenities: Barn
Lot Size Sq Ft: 130680
Parcel Number: 291301406014000018
Acres: 3-5 Acres

Tax Info

Tax Annual Amount: 3396
Tax Lot: 1
Semi Annual Property Tax Amt: 1698
Tax Exemption: Homestead Tax Exemption

MLS Schools

Elementary School: Forest Dale Elementary School
High School: Carmel High School

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

May 2026 - Present 3 Months

Private Individual

Purchase Details

Listed on

Apr 22, 2026

Closed on

May 13, 2026

Sold by

Bought by

Seller's Agent

Kristie Smith

Indy Homes

Buyer's Agent

Steven Schell

White Stag Realty, LLC

List Price

$550,000

Sold Price

$650,000

Premium/Discount to List

$100,000

18.18%

Views

125

Current Estimated Value

$507,186

Estimated Appreciation

-$142,814

Avg. Annual Appreciation

-67.62%

Source: Public Records

Agents Specializing in Downtown Carmel, IN

Austin Coon

@properties

(463) 223-9286

74 Total Sales

2 in Downtown Carmel

$325K - $405K Price Range

Austin Coon
Brenda Tinsley

Highgarden Real Estate

(317) 588-3804

98 Total Sales

2 in Downtown Carmel

$260K - $390K Price Range

Brenda Tinsley
Kerri Mayo

Keller Williams Realty

(463) 230-7592

101 Total Sales

1 in Downtown Carmel

$276,000 Price

Kerri Mayo
Stephen Geyer

RE/MAX Realty Group

(463) 241-6733

31 Total Sales

1 in Downtown Carmel

$312,000 Price

Stephen Geyer
Paul Gorrell

CrestPoint Real Estate

(463) 223-3741

63 Total Sales

1 in Downtown Carmel

$202,000 Price

Paul Gorrell
Lindsay Adams

Pillario Property Management LLC

(928) 615-8737

144 Total Sales

1 in Downtown Carmel

$975 Price

Lindsay Adams

See All Agents

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date	Buyer	Sale Price	Title Company
		--	Indiana Home Title

Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date	Status	Borrower	Loan Amount
	Previous Owner		$100,000

Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date	Event	Price	List to Sale	Price per Sq Ft	Prior Sale
05/13/2026 05/13/26	Sold	$650,000	+18.2%	$250 / Sq Ft
04/24/2026 04/24/26	Pending	--	--	--
04/22/2026 04/22/26	For Sale	$550,000	+30.3%	$212 / Sq Ft
06/17/2019 06/17/19	Sold	$422,000	+2.3%	$169 / Sq Ft	View Prior Sale
05/07/2019 05/07/19	Pending	--	--	--
05/01/2019 05/01/19	For Sale	$412,500	+17.9%	$166 / Sq Ft
10/31/2014 10/31/14	Sold	$349,900	0.0%	$140 / Sq Ft	View Prior Sale
09/08/2014 09/08/14	Pending	--	--	--
05/13/2014 05/13/14	For Sale	$349,900	--	$140 / Sq Ft

Source: MIBOR Broker Listing Cooperative®

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year	Tax Paid	Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property.	Land	Improvement
2025	$3,396	$310,400	$156,600	$153,800
2024	$3,395	$313,000	$156,600	$156,400
2023	$3,395	$313,000	$156,600	$156,400
2022	$2,560	$236,600	$70,200	$166,400
2021	$2,084	$200,200	$70,700	$129,500
2020	$1,672	$169,500	$70,700	$98,800
2019	$1,662	$170,500	$54,400	$116,100

Source: Public Records

Agents Affiliated with this Home

Seller's Agent in 2026

Kristie Smith

Indy Homes

(317) 313-3200

11 in this area

265 Total Sales

Kristie Smith
T

Seller Co-Listing Agent in 2026

Tracey O'Brien

Indy Homes

(678) 777-0705

1 in this area

53 Total Sales

Tracey O'Brien
S

Buyer's Agent in 2026

Steven Schell

White Stag Realty, LLC

1 in this area

22 Total Sales

Steven Schell
Seller's Agent in 2019

John O'Brien

F.C. Tucker Company

(317) 919-3700

73 Total Sales

John O'Brien
Seller Co-Listing Agent in 2019

Mary Jane O'Brien

F.C. Tucker Company

(317) 418-2035

37 Total Sales

Mary Jane O'Brien
Seller's Agent in 2014

Michael Johnson

Encore Sotheby's International

(317) 590-3454

2 in this area

75 Total Sales

Michael Johnson

See All Agents

Map

Source: MIBOR Broker Listing Cooperative®

MLS Number: 22097114

APN: 29-13-01-406-014.000-018

Indiana Hamilton County Carmel 46280 Downtown Carmel

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

All data is obtained from various sources and may not have been verified by broker or 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 IDX listings have been excluded from this website.
Listings courtesy of MIBOR Broker Listing Cooperative® as distributed by MLS GRID.
Based on information submitted to the MLS GRID

Nearby Homes

1645 E 109th St Carmel, IN 46280

Sale Details

Highlights

About This Home

Home Details

Home Type

Est. Annual Taxes

Year Built

Lot Details

Parking

Property Views

Home Design

Interior Spaces

Kitchen

Flooring

Bedrooms and Bathrooms

Laundry

Finished Basement

Home Security

Outdoor Features

Schools

Utilities

Community Details

Listing and Financial Details

Home Details

Listing Details

Interior Features

Exterior Features

Garage/Parking

Utilities

Condo/Co-op/Association

Schools

Lot Info

Tax Info

MLS Schools

Ownership History

Purchase Details

Home Financials for this Owner

Home Values in the Area

Average Home Value in this Area

Agents Specializing in Downtown Carmel, IN

Purchase History

Mortgage History

Property History

Tax History

Agents Affiliated with this Home

Map