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12742 Ashworth St, Carmel, IN, 46032

3beds
4baths
2,472sqft
$679,000
$275price/sqft
$4,545/moest. monthly cost
$181,800/yrincome needed

About This Home

Within the desirable Village of West Clay community in Carmel, this exceptional townhome is a masterclass in thoughtful design, luxurious finishes & effortless comfort. Offering 3 bedrooms, 2 full baths, 2 half baths, a dedicated office & a finished garage, this residence is far more than a home-it is a carefully curated living experience, inspired by professional design & executed with remarkable attention to detail. From the moment you enter, the artistry is unmistakable. Custom designer wallpaper-created to scale-sets a sophisticated tone, complemented by rich textures, layered finishes & intentional design choices that create warmth, elegance & unmistakable personality throughout. The heart of the home is a stunning chef's kitchen, appointed with a premium Cafe appliance package, exquisite Cambria luxury-series quartz countertops & a customized pantry system by California Closets. A phantom screen door opens to the balcony, blending indoor luxury with outdoor enjoyment. The dining space is illuminated by a Murano crystal chandelier from Italy, one of several designer lighting statements found throughout the home. In the living room & primary suite, designer wall coverings & refined finishes create spaces that feel elevated yet inviting. The primary retreat features a custom built-in dresser & integrated closet system, while the baths showcase designer-grade Moen fixtures that add polish & sophistication. The private office is a standout feature, anchored by a custom built-in designed for both beauty & productivity, complete with one-touch adjustable lighting, electronic locking doors with remote access, hidden charging outlets & so much more. Even the utility spaces impress-from the highest-level garage flooring finish to a new water heater, water softener, & reverse osmosis. This is luxury with intention-an inspired home where every finish, fixture & feature was selected to create a lifestyle of beauty & comfort. Also offered fully furnished, if desired.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
59
BikeBikeable

Schools

8/10
West Clay ElementaryGrades K-50.6 mi
9/10
Creekside Middle SchoolGrades 6-80.8 mi
10/10
Carmel High SchoolGrades 9-124.5 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2006

Materials

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

Type & Style

  • Home type: Condo
  • Architectural style: Italianate
  • Property subType: Residential,Condominium

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Disposal,Microwave,Double Oven,Refrigerator,Gas Water Heater
  • Laundry features: Upper Level

Basement

  • Has basement: Yes
  • Basement: Ceiling - 9+ feet,Finished,Walk-Out Access,Egress Window(s)

Bedroom2

  • Level: Upper
  • Area: 156
  • Dimensions: 13x12

Bedroom3

  • Level: Upper
  • Area: 143
  • Dimensions: 13x11

Bedrooms & Bathrooms

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

Breakfast Room

  • Level: Main
  • Area: 99
  • Dimensions: 11x9

Dining Room

  • Level: Main
  • Area: 176
  • Dimensions: 16x11

Features

  • High Ceilings,Tray Ceiling(s),Walk-In Closet(s),Hardwood Floors,Breakfast Bar,Ceiling Fan(s),Double Vanity,Entrance Foyer,High Speed Internet,Wired for Data,Pantry
  • Window features: Wood Work Painted
  • Flooring: Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Hearth Room
  • Fireplace: Yes
  • Finished area below ground: 544
  • Common walls with other units/homes: 2+ Common Walls

Great Room

  • Level: Main
  • Area: 210
  • Dimensions: 15x14

Hearth Room

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

Heating & Cooling

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

Interior Area

  • Total structure area: 2,472
  • Total interior livable area: 2,472 sqft

Kitchen

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

Laundry

  • Features: Tile-Ceramic
  • Level: Upper
  • Area: 36
  • Dimensions: 6x6

Master Bedroom

  • Level: Upper
  • Area: 221
  • Dimensions: 17x13

Office

  • Level: Basement
  • Area: 299
  • Dimensions: 23x13

Property

Details

  • Parcel number: 290929021012000018
  • Attached to another structure: Yes
  • Horse amenities: None

Features

  • Levels: Tri-Level
  • Entry location: Building Private Entry
  • Patio & porch: Deck,Covered
  • Exterior features: Sprinkler System

Lot

  • Lot size: 1,742 sqft
  • Features: Sidewalks,Storm Sewer,Street Lights,See Remarks

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 $3,433$41,196
Home Insurance *$268$3,216
Property Taxes $618$7,416
Electricity $226$2,719
Total$4,545$54,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,828/yr
40% on housing$136,350/yr
45% on housing$121,200/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

$275This listing

vs Other Active Listings

Avg $/sqft

ZIP 46032$243
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
2026-05-06Listed for sale$679,000
2015-04-17Listing removed$2,500
2015-04-14Listed for rent$2,500

For Sale by Agent

AgentAmber Wilson
BrokerageKeller Williams Indy Metro NE

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