Can neighbor’s property affect your Camel IN home value?

Posted in First time homebuyer, Short Sales/Foreclosures on April 15th, 2019 by Anna Stout – Be the first to comment

Is the house selling near you affecting your home value in Camel ?

foreclosure houses

When it comes to real estate in Camel, different factors can affect the value of your home. One component can be the condition of your neighbor’s property. The prices of homes selling near you can have a big impact on your home’s market value. It’s important to know how these factors can influence the value of your home.

Camel IN Comps”

Comparable properties – or “comps” as they’re sometimes called – are recently sold properties with similar features; including size, location, and amenities. They are used as a benchmark by appraisers and real estate agents to determine the fair market value of your home. Consequently, the selling price of homes nearby influence how much buyers are willing to offer for yours.

For example, let’s say you have a three-bedroom, two-bath home, that you list for $250,000. If similar homes nearby have recently sold for $150,000, potential buyers will likely wonder why your asking price is so much higher. Does your home truly have exceptional features making it worth the additional $100,000? If not, this could make finding a buyer more difficult. So, another consideration would be the true worth of your home. This is often done by an appraisal.

Appraisal Value of Camel Homes

A home appraisal is an unbiased estimate of the true (or fair market) value of what a home is worth. Loan approvals rely on the appraised value of a home. This means that most lenders won’t issue a loan for more than the appraised amount. If this amount is less than the loan amount, an adjustment must be made. The seller will need to lower the price, or the buyer will need to make up the difference. Sometimes the seller and buyer compromise regarding the difference.

In addition, the bank will not approve loans if the appraiser determines that the home has certain structural issues. These issues will need to be addressed before moving forward with the sale of the home. This is often at the seller’s expense. As stated earlier, appraisers evaluate a property based on comp sales. Sometimes adjustments are made based on improvements done to the home. There are times when sellers do not make improvement or maintain their property. This leads to further devaluation of neighborhoods and possible foreclosures.

Foreclosures and Short Sales in Camel IN

Foreclosures (also known as repossessions) occur when a lender takes possession of a home due to the homeowner’s failure to meet the terms of their mortgage. Oftentimes, the property is sold to pay off the loan. If your neighborhood has a lot of foreclosed homes, your property value can take a hit. Foreclosures and short sales tend to sell at lower prices, thus diminishing the overall average sale price of the neighborhood.

These are some of the factors that can influence the value of your home. One of the most important are the comparable homes in your neighborhood. Be sure to check with your agent to make sure your value is on target before putting it on the market.

Women home buyers

Posted in Women in the Marketplace on April 11th, 2019 by Anna Stout – Be the first to comment

Which is better- Putting Down 20% on a Home or Investing in a Business 

Some potential women home buyers are wondering, if they should put 20% down on a home or invest it? Today, as women, we live in a world of various financial opportunities. For instance you might consider buying a home or starting a business. So, where to place your hard earned money can be very challenging.

However, as a woman, the choice is solely dependent on your goals. What you think is best for you at the time also matters.

Since more women are becoming home buyers, it’s worth consideration.

Should I put 20% Down?

While it is possible to purchase homes with down payments less than 20% of the home’s value, it is usually more favorable if you have the ability to do so. This can open up  financial benefits that will help your purchase and keep your payment to a minimum.

Some benefits include:

  1. A Shield to Help Offset Price Declines: Considering the competitive nature of the real estate  today, the price of the homes can fluctuate at any time. However, if you are in a position to make a 20% down payment, it could minimize the likelihood and severity of a price decline that could put you into a negative equity situation.
  2. Low Mortgage Payment is Key: Always remember to be rational in your thinking when it comes to buying a home. Your ability to make a 20% down payment for a home paves the way for you to more easily pay the balance of the mortgage loan.
  3. Increased probability of Mortgage Approval: It should also be noted that making a 20% down payment on a home signifies strength and stability. This gesture alone justifies your ability to save money and serves as an indicator of your creditworthiness.
  4. Faster and Easier Mortgage Payments: Paying off the mortgage on time is extremely important and makes good financial sense. It gives you one less thing to worry about.

    Is Investing in a Business a good idea?

Now let’s briefly talk about investing in a business venture. Women are becoming creative and looking for avenues that will transform their lives forever. Most often, engaging in profit generating   investments is an option. However, before jumping into investment ventures of any kind, some points must be noted when profitability and growth are its foundation .

  1. Capital: No business startup can be possible without startup capital.  Capital is the key before certain investments initiatives can become a reality.
  2. Market Share: Every business or investment decision made must have a targeted audience or a ready market for which the entrepreneur is willing and able to serve. Therefore, for women seeking to invest, it is necessary to do research on the needs and wants of the actual and potential customers before venturing into any investment platform.
  3. Profitability: Like most entrepreneurs including women in the market place, profitability is the primary objective. It’s a necessity for business survival and growth.

Conclusively, when it comes to choosing between a 20% down payment or investing in a profitable business venture, the choice is yours and you are fortunate to be in a position to even make the choice!

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10 Reasons to List Your Home in the Fall

Posted in Carmel/Westfield Neighborhoods on October 5th, 2017 by Anna Stout – Be the first to comment

Are you wondering if you should put your house on the market during the fall? Oftentimes potential Sellers ask this question because they are concerned about the upcoming holidays and the change in weather. So, I’ve listed a few points you might want to consider:

  • There are still many buyers in our market who were not able to find the home
    of their dreams because demand has been high and inventory has been low.
  • Buyers have fewer houses to choose from during the winter months, and less
    competition for you is a good thing!
  • Since the supply of listings will dramatically increase in the spring, there will
    be less demand for your particular home in the fall. Less demand now means
    more money for you!
  • Some people must buy to reinvest “tax free exchange funds” for tax reasons!
  • January is traditionally the month for employees to begin new jobs. Since
    transferees cannot wait until spring to buy, you need to be on the market
    during the holidays to capture that market!
  • Even though your house will be on the market, you still have the option to
    restrict showings during the days you would prefer not to have people in the
  • Most people think they should list in March and April. So, listing ahead of
    time, you can be one of only a limited number of properties available.
  • Builders have really cut back on new construction inventory homes during
    the fall & winter, so buyers are forced to buy preowned homes.
  • By selling now, you may have an opportunity to be a non-contingent buyer
    during the spring, when many more houses are on the market for less money.
    This could allow you to sell high and buy low!
  • You can sell now for more money, and arrange for a delayed closing or
    extended temporary lease back (extended occupancy) until early next year!

Homes currently listed in Carmel Westfield

Please contact us for a showing 317-828-0299


Bike Share Made Easy Carmel IN

Posted in Community Events on June 27th, 2017 by Anna Stout – Be the first to comment

City of Carmel                                              One Civic Square, Carmel, IN 46032


Date:            June 26, 2017

Contact:      Nancy Heck (317) 571-2474

Release:       Immediate

 Carmel Bike Share Pioneers New Technology

Carmel, IN – It just got easier than ever to join, ride and enjoy the Carmel Bike Share program with the debut of a new mobile app and locking system that lets riders rent and ride bikes at the touch of a button on their phones. A sleek new interface on the mobile app streamlines the process of creating a new account and offers easy access to rider support, while new mapping technology provides point-by-point directions to the nearest docking station. Developed by Carmel’s Bike Share provider, Zagster, the new technology platform is the first of its kind in the U.S. bike share industry — and Carmel is one of the first programs in the nation to offer it to riders.

“Carmel is proud to partner with Zagster to offer the newest technology to our community. With more than 188 miles of multi-use paths and trails, we have always placed a high value on transportation alternatives for both residents and visitors,” said Mayor Jim Brainard. “Growing our Carmel Bike Share program supports our efforts to continue being a bicycle-friendly community.”

Now, with just the single touch of a button in the new Zagster app, riders can control a Bluetooth-enabled locking system that features two points of security. A new locking mechanism allows riders to tether bikes to non-Zagster stations for mid-ride stops. It’s important to note that riders will need to return their bikes to a Zagster station to end their trip.

This unique hybrid model, which blends dockless locking for mid-trip stops with fixed station locations for beginning and ending rides, is key because it allows Carmel’s riders to plan their trips around their destinations — and not just around station locations. And because the locking system has no detachable pieces that could be misplaced or misused, the new user experience is versatile, convenient and hassle-free.

“Our riders wanted the ability to make several stops along their way more easily and lock their bike without having to be at a share station. Zagster worked to accommodate them based on feedback and we’re pleased they were able to do so,” said Brainard. “The idea is to make the ride as convenient as possible to reduce any barrier the rider may have.”

The Carmel Bike Share features 90 bikes at 11 locations for users to make local, on-demand trips. Riders can join the program by signing up for monthly or annual memberships. Rides for the first hour are free, and then just three dollars per hour after that for memberships. Daily and hourly rates are also available. For more information, including a map of locations and a registration form can be found at

About Zagster

Founded in 2007 and headquartered in Cambridge, Mass., Zagster is the largest and fastest-growing bike-share provider in the United States. Zagster works directly with more than 150 communities in more than 30 states across North America to make bike sharing available in areas where traditional bike-share providers can’t reach. Unlike other programs in which riders must drop off bikes at designated stations for every stop, Zagster’s programs give users the freedom to ride as long as they want, wherever they want. And because Zagster manages all aspects of its programs — from bikes and technology, to maintenance and marketing — Zagster partners can create and deploy scalable bike-share systems that best suit their needs and work within their budgets.

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Late Night on Main St Carmel IN

Posted in Community Events on May 26th, 2017 by Anna Stout – Be the first to comment

City of Carmel                                              One Civic Square, Carmel, IN 46032




Date:            May 25, 2017

Contact:      Nancy Heck (317) 571-2474

Release:       Immediate



‘Late Night on Main’ returns to Main Street

Friday night event is first of 4 street parties in 2017


CARMEL, IN –Are you ready for a late night street party in the Carmel Arts & Design District? Join us Friday, May 26, from 9 p. m. to Midnight for the first of four “Late Night on Main” events on Main Street. The City will shut down the block just east of Range Line Road to make way for musical entertainment from the Carl Storie Band, dancing in the street and enjoying the eats and treats from local vendors who will be staying up late with us.

Late Night on Main was launched in 2016 as part of the U.S. Mayors Conference Opening Night celebration. The city received a great deal of positive feedback on that event and another held in conjunction with the BMW Championship, prompting the expansion to four events in 2017.

“Our goal with these exciting late night events in the Arts & Design District is to boost our night life entertainment and bring people together to share music, dining and a little shopping in a unique setting under the stars,” said Mayor Jim Brainard. “The events also provide a great opportunity to see the new developments underway and businesses in the District that they might not notice if they only drive through or have not visited recently.”

With our goal of bringing more attention to different sections of Main Street, the Late Night on Main events will be moved east and west on Main Street throughout the year. Last year, both events were held in the city block near the Monon Greenway, but this year, our first Late Night on Main will be a few blocks to the west. Patrons on the patios of Woody’s Library Restaurant and Agave Mexican Grill will have front row seats to the show!

This means Main Street from Range Line Road to 1st Avenue NE/NW will be closed Friday beginning about 3 p.m. so preparations can be made, including the placement of a stage for the band. Detour signs will be in place to direct traffic around the closure.  Plan for extra time Friday evening if your commute includes Main Street.

Mark your calendars for upcoming Late Night on Main events July 1, August 19 and October 7.

Parking is available at city parking garages and other public parking spaces. Click here to see a parking map.  (

Stay on top of any changes or added features by following the City of Carmel on Twitter ( and liking us on Facebook (

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2017 Concerts at the Gazebo Carmel IN

Posted in Community Events on May 23rd, 2017 by Anna Stout – Be the first to comment

Enjoy your summer evenings at the Gazebo with lots of music, dancing and family fun!!


Posted in Community Events on April 27th, 2017 by Anna Stout – Be the first to comment

City of Carmel                                                                One Civic Square, Carmel, IN 46032




Date:            April 27, 2017

Contact:      Nancy Heck (317) 571-2474

Release:       Immediate



Carmel Urban Forestry to give tips and free tree seedlings at May 6 event 

CARMEL, IN – Carmel will recognize its 29th Arbor Day on Saturday, May 6th at the opening day of the Carmel Farmers Market on Center Green.  The City of Carmel along with the Carmel Urban Forestry Committee will be present at Booth #9 from 8-11:30 a.m. to answer landscaping questions and provide guidance on proper tree planting, mulching and pruning while also handing out free tree seedlings including; Kentucky coffeetree, shagbark hickory and Norway spruce.

Carmel was named a 2016 Tree City USA by the Arbor Day Foundation. This is the 23rd consecutive year the City has been honored for its commitment to urban forest management. Carmel also received its 21st consecutive Tree City USA Growth Award for demonstrating environmental improvement and a higher level of tree care. The Tree City USA program is sponsored by the Arbor Day Foundation in cooperation with USDA Forest Service and the National Association of State Foresters.

“Everyone benefits when we educate and implement proper tree care practices. All we have to do is look around this spring season to see all the beauty the urban forest gives to our community,” said Nichole Speth, Carmel Urban Forestry Specialist.  “Only when trees are cared for properly will they grow and provide countless environmental, social and economic benefits.”

The urban forestry staff along and the Urban Forestry Committee will present the annual Donna Manlove Award and the Commercial Beautification Award to the recipients at a later date during the next CNAN meeting.

Please visit us at our booth where there will be International Society of Arboriculture Certified Arborists and City Urban Forestry staff to answer your questions.

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Carmel to improve city zoning ordinance-5 min code

Posted in Carmel Real Estate News, New Home Construction on March 27th, 2017 by Anna Stout – Be the first to comment

City of Carmel                                                                One Civic Square, Carmel, IN 46032


Date:            March 22, 2017

Contact:      Nancy Heck (317) 571-2474

Release:       Immediate 

Carmel to replace, improve city zoning ordinance

Fewer pages / 3 new zoning districts / ‘5-Minute’ code 

CARMEL, IN – After an 18-month long review of the City of Carmel’s subdivision control and zoning ordinance, planners with the Department of Community Services unveiled a new and improved version that streamlines topics, adds helpful images, eliminates redundancies and has about 80 fewer pages. The proposed ordinance also establishes three new zoning districts to better reflect the unique growth trends of the city, eliminates three outdated districts and promises to make it easier for users to quickly find what they need.

While this is a complete replacement ordinance and zoning map, most of the content remains the same as the existing ordinance. The proposed new Unified Development Ordinance replaces both the subdivision control and existing zoning ordinances.

“This is long overdue. Carmel’s zoning ordinance has been modified many times over the years, but the changes we are making this time will help us do a better job of guiding our unique growth in redevelopment areas, such as Midtown, as well as the U.S. 31 Corridor and other rapidly changing areas of our city,” said Mayor Jim Brainard. “We also paid close attention to making this new ordinance easier to use for developers and residents. We are calling this our ‘5-Minute Code’ because our goal is to make it possible for anyone, not just attorneys, to find what they need in five minutes or less.”

The proposed new Unified Development Ordinance was introduced Tuesday night, March 21, at the Carmel Plan Commission, which will review the changes, host a public hearing and send it to the Carmel City Council for final approval. The City contracted with Bradley Johnson of Ground Rules to review and update the ordinance.

There are no substantial changes proposed to residential areas in the city.

Among the notable new features:

  • Three new zoning districts have been added: Urban Residential, Urban Core and Office Core. These districts will emphasize “mixed-use” trends in Carmel’s redevelopment areas such as Midtown.
  • With changes proposed for the Meridian Corporate Corridor, it will be possible for the first time to mix residential and office units the same building, something previously prohibited. Changes have also been made to setbacks and landscaping rules to encourage more infill development.
  • Three existing zoning districts have been removed: Agricultural (AG) and Manufacturing I (M-1), districts covering large farms and heavy, intense manufacturing that have become obsolete as the city has developed and do not appear on the existing map; and Old Meridian District (OM) which served its original purpose to introduce mixed-use development to the area. The new mixed-use districts will largely replace the OM District. Farming is still a permitted use but will be regulated under another zoning classification.
  • All legal definitions within the ordinance have been placed under a single section, instead of being scattered throughout the document.
  • References to various steps in zoning have been made more consistent, replacing the current use of multiple acronyms and titles.
  • Helpful boxes, color icons and hyperlinks have been added throughout the new ordinance so that online users can quickly point and click their way to their desired information.

A public hearing will be held at the Carmel Plan Commission on April 18. You can find an overview and a copy of the proposed ordinance on the City of Carmel website here:

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Stay Updated City of Carmel Construction Schedule

Posted in Carmel/Westfield Neighborhoods, Community Events on March 3rd, 2017 by Anna Stout – Be the first to comment

City of Carmel                                                                One Civic Square, Carmel, IN 46032




Date:            February 28, 2017

Contact:      Nancy Heck (317) 571-2474

Release:       Immediate


2017 Road Improvement Plans

for Carmel Announced


CARMEL, IN – The City of Carmel has a very aggressive construction schedule for 2017 and it will be important for you to plan ahead to make sure your regular routes are available and if not, to determine your best detour before you head out the door.


To help you stay connected, please take a moment to download the CarmelLink app so that you will have access to the latest road construction updates. Please note that the CarmelLink app requires the use of the Waze app, so you will be prompted to download that as well.


While we are providing a snapshot of projects planned for 2017, please remember there are many variables that affect the exact start and finish dates. We will send notices of closures or detours closer to the beginning of construction.


The projects below are listed under the month in which they will begin. There are various timelines for completion. For details, go to Direct links are provided below when available.





Main Street Drainage improvement, 4th Avenue SW to Guilford Road

Towne Road Trail, 96th  Street to 106th  Street

Lake Shore Drive East Culvert replacement, just South of 106th Street

106th Street Culvert replacement, Michigan Road to Shelborne Road

            Greentree Drive Culvert replacement

Spring Mill Phase 2 boulevard reconstruction

126th Street improvement, Range Line Road to Keystone Avenue




            River Road reconstruction, Community Drive to 146th Street

116th Street and Towne Road Roundabout

126th Street and Gray Road Roundabout

136th Street and Gray Road Roundabout

Gray Road Culvert replacement, south of 146th Street

Ditch Road Path Project, 106th Street to 116th Street

Range Line Road and City Center Roundabout



Old Town Alley and Storm Water improvements

Carmel Drive and City Center Drive Roundabout



96th Street and Delegates Row Roundabout

96th Street and Gray Road Roundabout

Guilford Road and City Center Drive Roundabout

106th Street and Towne Road Roundabout

116th Street and Hazel Dell Parkway Roundabout



Range Line Road reconstruction 136th Street to U.S. 31 overpass

Range Line Road and 136th Street Roundabout adjustment

4th Street NW reconstruction

5th Street NE curb construction



Range Line Road and 4th Street Roundabout

Guilford Road and Carmel Drive Roundabout

Monon Boulevard Construction, City Center Drive to Main Street


Fall 2017

            96th Street and Hazel Dell Road Roundabout

Range Line Road and Executive Drive Roundabout

96th Street and Priority Way Roundabout

Carmel Drive and Old Meridian Street Roundabout

96th Street and Keystone Parkway interchange (preliminary work)

Gray Road and Main Street Roundabout

Range Line Road reconstruction, 116th Street to Main Street

Foster Estates drainage improvements

Main Street Path project, Harrowgate Drive to Cool Creek Court

Carey Road Path project, Hawthorne Drive to Edinburg Drive

Shelborne Road Path project, 106th Street to 116th Street





South West Clay Storm Water and Multi-use Path

Several multi-use paths are being added to the South West Clay area, as the City continues to make improvements set forth in the annexation agreement with this area. Nearly all of the work will happen off the roadway, primarily along Ditch Road, Towne Road  and Shelborne Road. All these projects, including roundabout construction, will improve pedestrian connectivity and storm water mitigation in this area.



Crooked Stick Drainage / Storm Water and Multi-use Path

A variety of drainage issues in the crooked Stick area will be improved by this project, which will also include construction of multi-use paths on the west side of Ditch Road between 106th and 116th Streets.  Storm drainage improvements also will be included as part of this project, which is expected to be completed by mid-July, 2017.



West Carmel Drive Path Project

One westbound lane on Carmel Drive will be closed during construction of a new path to connect U.S. 31 to Keystone Parkway, a project that began last fall. Expect lane restrictions to resume once weather permits construction to begin again. The path will link existing path along the north edge of West Carmel Drive, just west of 3rd Avenue to the intersection near North Clark Street. This portion of the city’s path project is expected to conclude in April, 2017.



126th Street Improvements between Range Line Road and Keystone Avenue

Road improvements have been underway, including multi-use paths and storm water management, since last year. In 2017, traffic will be maintained in the westerly direction for the duration of the project. This project is anticipated to last until summer of 2017.

Detour Route: Use Main Street and 116th Street for eastbound traffic. Keystone Parkway and Guilford Avenue will be main routes connecting drivers to eastbound detour routes.



Spring Mill Road Improvements

Beginning in March, Spring Mill Road will be closed between Millridge Drive and 106th Street for three months to reconstruct Spring Mill Road and replace a large culvert. Meanwhile, work that began last year will continue on Spring Mill Road and motorists should expect lane restrictions and closures.


CarmelLink 2.0 Update

CARMEL LINK 2.0 is a concentrated infrastructure improvement program that will result in the completion of new roundabout intersections along Gray Road, 96th Street, Range Line Road, 116th Street, Guilford Road, Pennsylvania Street, Spring Mill Road, Towne Road, Keystone Parkway with a new interchange at 96th Street, storm water management and drainage improvement projects throughout the City of Carmel. It will also include the upgrade of a large section of Range Line Road and other miscellaneous improvements over the next three-years.




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For any remaining questions or concerns please contact City of Carmel Engineering Department at 317-571-2441 or email Engineering Administrator Joshua Kirsh at


Stay on top of the news by following the City of Carmel, on Social Media.


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Monon Greenway Widening

Posted in Community Events on February 13th, 2017 by Anna Stout – Be the first to comment

City of Carmel One Civic Square, Carmel, IN 46032


Date: February 7, 2017
Contact: Nancy Heck (317) 571-2474
Release: Immediate

Monon Greenway to be widened through Midtown, Arts & Design District; new bike lanes, sidewalks, green spaces

CARMEL, IN – The City of Carmel announced today a major widening and expansion of the popular Monon Greenway through the heart of Midtown and the Arts & Design District – a new Monon Boulevard that will transform the current 12-foot wide path into a multi-faceted 140-foot wide right-of-way section that will include new dedicated lanes for cycling, buffer zones, sidewalks, green spaces, one-way streets with additional parking on either side of the trail and a new Midtown Plaza at 4th Street SW near the Allied Solutions corporate headquarters.
The expanded trail will serve a rapidly growing Midtown redevelopment area where the city is partnering with private developers to create a new, vibrant corridor connecting our City Center and Arts & Design redevelopment districts, which will include a mix of offices, restaurants, retail and residential units in what was once city’s primary industrial area.
“This new expanded Monon Boulevard will quickly become a major epicenter of activity in Midtown and the Arts & Design District; a place where our residents and visitors will be able to take a stroll after a show at the Palladium, walk or bike to dinner or spend a Saturday afternoon with their children and pets on the trail or in one of many new green spaces and plazas,” said Mayor Jim Brainard. “It is also designed to function as a corridor for many who will live and work in this area, providing a safe way to commute to their jobs or take a short walk to the market.”
An average of more than 300,000 people run, walk or bike on the Monon Greenway from Main Street traveling south to the Palladium each year, making it one of the most congested stretches of the trail in Carmel. The new project will separate those who are on the trail for leisure and those who are more aggressively seeking physical activity.
In addition, the plans call for neighborhood green spaces, additional trees, arts plazas, community benches, kiosks, spray plaza, bocce ball court, connections to popular destinations and the Midtown Plaza that will feature bicycle parking, public art, outdoor café spaces and other features.
Plans call for work to begin by July of 2017 and take about 12 months to complete. The estimated cost of the Monon Boulevard and Midtown Plaza projects ranges from $20 million to $23 million, which will come from a variety of sources including bonds and developer commitments. The Monon Greenway will be detoured during portions of this construction project.

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