Tucked away on a quiet street with no HOA, this charming 4-bedroom, 2.5-bath home offers 1,996 square feet of comfortable living in one of Carmel's most desirable locations. The home features fresh paint throughout, creating a bright and updated feel, while beautiful hardwood floors on the main level and brand-new carpet upstairs add warmth and comfort. The kitchen opens seamlessly to the family room and dining area, creating an inviting layout that's perfect for both everyday living and entertaining. Outside, you'll find the true showstopper-an incredible private, fenced backyard surrounded by mature trees, creating a peaceful retreat that's perfect for entertaining, relaxing, or making memories all summer long. Enjoy a heated inground pool with an automatic pool cover, a mini barn for additional storage, and the rare convenience of direct access to the Monon Trail-all with the freedom and flexibility of no HOA restrictions. From your backyard, you're just a one-mile run or bike ride to both Midtown and Downtown Carmel, where you'll enjoy shopping, dining, entertainment, and year-round community events, while also being just moments from Clay Terrace. Opportunities to own a home with a backyard oasis, direct Monon Trail access, and no HOA in this sought-after Carmel location are exceptionally rare. Don't miss your chance to make it yours!