Here's 1850 Spruce Drive in Carmel, IN 46033, listed at $649,900.

49 photos from the listing — tap any to expand.

Front exterior at 1850 Spruce Drive, Carmel, IN

For Sale — 1850 Spruce Drive, Carmel, IN 460331 / 49

Jump to · AI-tagged from photos

Quick read on the numbers:

$649,900

For Sale2 days on market

Beds

Baths

Sq ft

4,602

Built

1990

Acres

0.43

Here's what I think this home is worth:

Key things to know

2 fireplaces
Finished basement (1,534 sqft)
3-car garage
Smokey Knoll subdivision

Browse by room

17 rooms · 49 photos

From the listing

Located in Carmel's quiet and scenic Smokey Knoll neighborhood, 1850 Spruce Drive offers the perfect opportunity to own a solid, SPACIOUS 4,602 sqft RANCH w/ basement on a beautiful .43 acre lot full of charm! Lovingly maintained & full of character, this home has "great bones" & is ready for your personal touch! Inside, you'll find quality craftsmanship throughout, including beautiful crown molding, solid wood doors and trim, & plantation shutters throughout much of the home. The main level features generously sized bedrooms, including a spacious primary suite with cathedral ceilings, private deck access, & a walk-in closet w/ custom organization. The expansive living room is filled with warmth, complete with vaulted ceiling, gas log fireplace, & wet bar-perfect for hosting gatherings or relaxing evenings at home. The kitchen offers excellent functionality w/ granite countertops, double ovens, a center island, and pantry storage. Just off the kitchen, the laundry room is thoughtfully equipped w/ built-in cabinetry, shelving, & utility sink. Downstairs, the finished basement adds even more living space w/ a second gas log fireplace, a HUGE rec/play room with built-in bookshelves, &…

A few highlights from the feature list:

Interior

Attic AccessBath Sinks Double MainBuilt-in FeaturesCathedral Ceiling(s)Tray Ceiling(s)Ceiling VaultedKitchen IslandEntrance FoyerPaddle FanPantryWalk-In Closet(s)Wet BarWood Work Stained

Exterior

Sprinkler System

I'll break the details down — open any section that matters.

TAX ASSESSMENT

County assessed values for current year

Total Assessed Value

$693,800

Land Value

$131,800

Land$131,800

19% of total

Improvement Value

$562,000

Improvements$562,000

81% of total

Annual tax · 2026: $7,782
Exemption: Homestead

Rough monthly:

Monthly payment

Estimate · $649,900

$4,116/mo

≈ $3,459 principal & interest · $649 tax · $8 HOA

Down payment (%)Interest rate (%)Term (yrs)

Estimate only. Actual payment depends on lender, taxes, insurance, and HOA. Down payment $129,980 on a loan of $519,920.

Price history

Listedat $649,900
May 14, 2026

Smokey Knoll · activity

past 6 months

Sold: 3
Median price: $625,000
Median DOM: 45 days

A few similar homes that recently sold nearby:

Recent comparable sales

Same zip · similar size

Comparative value

5 comps in this range

This home is 17% below median for similar nearby sales.

$655K$900KMedian $780K

$650K

A few places to dig deeper:

Smokey Knoll Carmel Clay Schools

MLS# 22100390

Want to know anything specific? Ask about updates, finishes, the basement, the yard — I read the listing's photos, MLS data, and remarks and cite what I find.