40 Saint Michaels Terrace Welcome to this charming raised ranch nestled in a peaceful Carmel neighborhood. This home features hardwood floors throughout the main level and a beautifully renovated kitchen offering a clean, modern touch. The bright living and dining areas open to a screened-in terrace, ideal for relaxing or entertaining. Three comfortable bedrooms and one full bath complete the main floor. The lower level includes a family room and a half bath, with additional unfinished space offering potential for future customization. A one-car attached garage and paved driveway add convenience. Situated on nearly a half-acre lot, this property offers both comfort and opportunity in a desirable Putnam County location. Located close to local amenities, schools, and commuter routes, this home combines practical design with timeless appeal.