Clay Homes with Finished Basement

Welcome to Clay, a thriving and picturesque neighborhood nestled within the charming city of Carmel, Indiana. Known for its friendly community spirit and vibrant local culture, Clay offers an ideal blend of suburban tranquility and urban convenience. Residents enjoy access to top-rated schools, lush parks, and a variety of shopping and dining options, making it a perfect place for families and professionals alike.

One of the standout features of homes in Clay is the abundance of properties boasting finished basements. These versatile spaces provide homeowners with endless possibilities – from cozy family rooms and home theaters to personal gyms and playrooms for the kids. Finished basements not only enhance your living space but also add significant value to your home, making it an appealing investment for future growth.

As you explore Clay, you’ll find a variety of architectural styles, each thoughtfully designed to cater to modern living. Many homes feature open-concept layouts that seamlessly connect living, dining, and kitchen areas, perfect for entertaining friends and family. Large windows flood these spaces with natural light, creating a warm and inviting atmosphere.

Beyond the homes, the neighborhood is rich in amenities. Residents can take advantage of nearby parks, walking trails, and recreational facilities, promoting an active and healthy lifestyle. The community also hosts various events throughout the year, fostering a strong sense of belonging among neighbors.

Whether you’re looking to buy your first home or searching for a spacious family residence, Clay’s finished basements and welcoming community make it an exceptional choice. Discover the charm of Clay and envision your future in this delightful Indiana neighborhood!

Newest Clay Homes with Finished Basement

$1,390,000

5 Beds ⋅ 6 Baths

Set on 1.32 acres on a cul de sac in Summerlakes, this west Carmel home backs to the pond with a backyard made for entertaining: an in ground pool and diving board beneath a wood pergola, a hardscaped grill and patio dining off the walkout, and a stone firepit at the water's edge. Inside, refinished Brazilian walnut hardwoods and polished marble run through the main level. The kitchen pairs custom cream cabinetry with a stained center island, SubZero refrigerator and double wall ovens, and opens to a sunny breakfast room and a stone fireplace family room that leads to the updated screened porch with its vaulted wood ceiling. Formal living and dining rooms with tray ceilings and a main floor study with a fireplace complete the main level. The primary suite offers a fireplace, a spa bath and a custom walk in closet. The finished lower level adds a rec room, exercise room, fifth bedroom and updated full bath.

10057 Summerlakes Drive, Carmel

Listing courtesy of Jason O'Neil. Circle Real Estate

$699,000

5 Beds ⋅ 4 Baths

This beautifully updated and thoughtfully customized 5 Bed 3.5 Bath bedroom home in Carmel Schools offers an exceptional combination of style, functionality, and inviting living spaces. Extensive improvements throughout create a fresh, cohesive feel, with new flooring, fresh paint, custom millwork, decorative wall detailing, and updated lighting. The main level and lower level feature beautiful waterproof Cairo Oak luxury vinyl plank flooring, while the entire second floor has been refreshed with new carpeting. The kitchen has been enhanced with professionally refinished cabinetry, additional storage, a custom range hood with concealed storage, updated cabinet hardware, custom wood shelving, and a new tile backsplash. Newer appliances include the oven, dishwasher, and refrigerator, all replaced within the past year. The living room is equally impressive, featuring an entire wall of custom built-ins with soft-close storage, built-in benches, and a beautifully redesigned fireplace with a custom Shaker-style mantel and decorative shiplap accents. The finished basement offers an incredible extension of the home's living and entertaining space. Designed with both style and versatility in mind, it features a custom wet bar with cabinetry and built-in kegerator, an oversized U-shaped entertainment island with generous seating, and extensive custom built-ins and shelving. Additional highlights include a full bathroom with walk-in shower, guest bedroom with murphy bed, dedicated workout/flex room with sliding barn doors, separate children's playroom, and additional finished storage. Custom millwork, wood accents, and shiplap details complete this beautifully finished space. The fenced backyard is ready to enjoy, with an outdoor swing set, raised garden bed, and thoughtfully added landscaping, including two planted apple trees. This home offers a wonderful blend of elevated style. Showings begin Saturday 31st at noon.

13299 Lorenzo Boulevard, Carmel

Listing courtesy of Lauren Masur. Berkshire Hathaway Home

$975,000

3 Beds ⋅ 4 Baths

Gorgeous Village of West Clay ranch home on a beautifully landscaped corner lot within walking distance of The Village Center! Stunning open floorplan has 10' ceilings, gleaming hardwood floors, attractive crown molding, elegant leaded-glass transom windows and an abundance of natural light. Separate formal Dining Room features custom columns and an adjoining butler's pantry, perfect for entertaining. Spacious and bright eat-in Kitchen includes a sprawling center island with granite counters, breakfast bar, double ovens and a two-sided gas fireplace. Expansive main-level Primary retreat offers sitting room area, dual vanities, a Jacuzzi tub, walk-in shower, and custom walk-in closet. Generous second bedroom ensuite has two closets and lovely window seat. Finished lower level has 9' ceilings and expands your living space with a huge recreation room featuring built-in bookshelves, a third bedroom, full bath, and second kitchen, perfect for guests or in-law quarters. Experience added peace of mind with numerous property updates, including a new roof in 2024 by Cochran Exterior, new gas range, basement sump pump and fresh interior paint (main level) in 2026. Additional updates include a new microwave, washer and dryer, Bosch dishwasher, basement refrigerator, and water softener. Enjoy relaxing or entertaining on the brick paver patio or pergola overlooking the beautiful fenced-in yard. With its highly sought-after location, elegant finishes, inviting spaces, and exceptional outdoor living, this wonderfully maintained home offers the perfect combination of comfort, style, and convenience!

12657 Treaty Line Street, Carmel

Listing courtesy of Jane Barretto. eXp Realty, LLC

$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

$575,000

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

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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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