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12974 Petigru Dr, Carmel, IN, 46032

4beds
4baths
2,095sqft
$499,000
$238price/sqft
$3,819/moest. monthly cost
$152,760/yrincome needed

About This Home

Welcome home to this beautifully appointed former model home,corner/end unit, that includes an abundance of windows allowing plenty of sunshine to brighten up your day! Featuring 2,095 square feet of stylish living space, 3-4 bedrooms, and 3.5 baths in a sought-after community loaded with amenities. Thoughtfully designed with modern finishes and flexible living areas, this home is move-in ready and ideal for today's lifestyle. The main level features an open-concept floor plan highlighted by luxury vinyl plank flooring (replaced less than a year ago), a spacious great room, and a dedicated home office complete with a sliding barn style door. The gourmet kitchen showcases 42" white cabinetry, quartz counter tops, decorative back splash, stainless steel appliances, upgraded lighting, and a large center island with breakfast bar seating for four. A separate dining area and convenient half bath complete the main level. Step outside to enjoy the wood deck, perfect for relaxing or entertaining. Upstairs, the spacious primary suite offers a large walk-in closet and a private bath featuring a glass-enclosed shower. Two additional generously sized bedrooms, a full guest bath with tub/shower combination, and a convenient upper-level laundry room provide comfort and functionality for everyday living. The versatile lower level includes a full bath and walk-in closet, making it ideal as a fourth bedroom, guest suite, recreation room, or private retreat. Additional highlights include a finished two-car garage with a bump-out for extra storage and numerous model-home upgrades throughout. Residents enjoy exceptional community amenities including a clubhouse, fitness facilities, 3 swimming pools, park, playground, tennis courts + much more. Conveniently located near restaurants, shopping, entertainment, and everyday conveniences, this home combines comfort, style, and an unbeatable location. Don't miss the opportunity to make this exceptional home yours!

Getting Around

51
WalkingSomewhat Walkable
0
TransitVery Limited Transit
60
BikeBikeable

Schools

9/10
West Clay ElementaryGrades PK-50.7 mi
10/10
Creekside Middle SchoolGrades 6-80.9 mi
10/10
Carmel High SchoolGrades 9-124.5 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Slab,Block
  • Construction materials: Brick,Cement Siding

Other

  • Builder name: Onyx+east

Type & Style

  • Home type: Townhouse
  • Architectural style: Contemporary
  • Property subType: Residential,Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Disposal,MicroHood,Gas Oven,Refrigerator
  • Laundry features: Upper Level

Bedroom2

  • Level: Upper
  • Area: 144
  • Dimensions: 12x12

Bedroom3

  • Level: Upper
  • Area: 144
  • Dimensions: 12x12

Bedroom4

  • Features: Luxury Vinyl Plank
  • Level: Main
  • Area: 121
  • Dimensions: 11x11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Attic Access,Double Vanity,High Ceilings,Kitchen Island,Ceiling Fan(s),High Speed Internet,Eat-in Kitchen,Walk-In Closet(s)
  • Window features: Wood Work Painted
  • Attic: Access Only

Great Room

  • Features: Luxury Vinyl Plank
  • Level: Main
  • Area: 272
  • Dimensions: 16x17

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,095
  • Total interior livable area: 2,095 sqft

Kitchen

  • Features: Luxury Vinyl Plank
  • Level: Main
  • Area: 240
  • Dimensions: 16x15

Library

  • Features: Luxury Vinyl Plank
  • Level: Main
  • Area: 143
  • Dimensions: 13x11

Master Bedroom

  • Level: Upper
  • Area: 196
  • Dimensions: 14x14

Property

Details

  • Parcel number: 290929044034002018
  • Attached to another structure: Yes
  • Horse amenities: None

Features

  • Levels: Three Or More
  • Patio & porch: Covered,Deck
  • Exterior features: Balcony

Lot

  • Lot size: 3,049 sqft
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Tornado
Winter Weather
Cold Wave
Hail
Lightning
Strong Wind

FEMA Declared Disasters Across Indiana Counties

Flood
Snowstorm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,523$30,276
Home Insurance *$197$2,364
Property Taxes $907$10,884
Electricity $192$2,304
Total$3,819$45,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,937/yr
40% on housing$114,570/yr
45% on housing$101,840/yr

Indiana FAIR Plan Programs

Indiana Basic Property Insurance Underwriting Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 810Commercial: 30
Total Premiums$1.77M
Total Exposure$1.82M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$238This listing

vs Other Active Listings

Avg $/sqft

ZIP 46032$244
Hamilton County$202

vs Homes Sold Last Month

Median $/sqft

ZIP 46032$213
Hamilton County$171

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-15Price change$487,500
2026-08-11Price change$495,000
2026-07-31Listed for sale$499,000
2026-07-15Listing removed$499,000
2026-07-07Price change$499,000
2026-06-23Listed for sale$519,900
2021-03-26Sold$343,419
2020-09-15Pending sale$342,000

For Sale by Agent

AgentDiana Elmore
BrokerageRealty World-Turtle Crk Realty

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