Spencer Homes with Annually HOA Frequency

Spencer Homes with Annually HOA Frequency

Welcome to Spencer, Indiana – a charming town nestled in the heart of Owen County that beautifully blends small-town charm with a vibrant community spirit. Known for its picturesque landscapes and rich history, Spencer offers a delightful escape for families, retirees, and everyone in between. With its friendly atmosphere and a plethora of outdoor activities, it’s no wonder that many are drawn to call this lovely town home.

Spencer is surrounded by natural beauty, making it a haven for outdoor enthusiasts. Residents can enjoy hiking, fishing, and exploring the scenic trails of nearby state parks. The town itself boasts a quaint downtown area filled with unique shops, local eateries, and community events that foster a close-knit atmosphere. Living in Spencer means embracing a lifestyle where neighbors become friends and community spirit thrives.

For those considering a move to Spencer, many homes come with an annual Homeowners Association (HOA) fee, ensuring that the community remains well-maintained and vibrant. These associations often provide various amenities and services, such as landscaping, maintenance of common areas, and neighborhood events, enhancing the quality of life for residents.

Whether you’re looking for a cozy family home or a serene retreat, Spencer offers a range of properties that cater to diverse needs. With its welcoming community, beautiful surroundings, and the assurance of a well-managed neighborhood through HOA services, Spencer, Indiana, is a place where you can truly feel at home. Discover the charm of Spencer today and find your perfect slice of Indiana bliss!

Newest Spencer Homes with Annually HOA Frequency

$325,000
2 Beds ⋅ 2 Baths ⋅ 202634177 MLS ⋅ 1,188 SqFt.
Lake Side Living on Owen County's Bass Haven Lake. Don't miss this rare opportunity to own and enjoy this delightful home with direct access to this private well stocked lake. Eight years old and shows like new. Open concept with living room, kitchen and dining rooms all flowing together. Split bedrooms with two bedrooms plus study and two full baths. Large attached two car garage, two large sheds, detached garage, older barn. Shelter house overlooks lake and dock. Lot size is approximately one acre. This property is beautiful and living there is like being on vacation year round.

375 Bass Haven Ln, Spencer

Listing courtesy of from Dan Rarey Real Estate.

$195,000
1 Beds ⋅ 1 Baths ⋅ 202633146 MLS ⋅ 1,056 SqFt.
Lake life meets outdoor adventure in this unique Amazon Shores property. Thoughtfully designed with functionality and character in mind, this charming home features one bedroom, one full bath, plus a versatile sleeping area that could easily be converted into a second bedroom, home office, or flex space. Enjoy deeded access to Amazon Lake through the lake association, offering opportunities for fishing, kayaking, and relaxing on the water. The inviting porch provides additional space to enjoy the peaceful surroundings and offers the potential to be transformed into additional living space. Located between McCormick's Creek State Park and Lieber State Recreation Area, you'll be minutes from hiking, boating, waterfalls, camping, and year-round outdoor recreation. Whether you're looking for a full-time residence, weekend retreat, investment opportunity, or a place to enjoy the outdoors, this property offers a rare combination of privacy, recreation, and convenience. Schedule your private showing today!

1405 Lakeside Dr, Spencer

Listing courtesy of from Century 21 Scheetz - Bloomington. cell: 317-453-7968
$17,250
202520639 MLS
Building lot on Amazon Shores. Nice wooded site with electric, high speed internet and lake access.

00 Lakeside Dr, Spencer

Listing courtesy of from West & Co., REALTORS. Cell: 812-585-0420
$449,900
4 Beds ⋅ 3 Baths ⋅ 202630364 MLS ⋅ 3,317 SqFt.
This 4-bedroom, 3-bath new construction ranch offers 3,317 square feet of finished living space on 4.86 acres in a quiet rural subdivision, just 10 minutes from Spencer and approximately 15 minutes from Ellettsville. The main level features an open floor plan designed for comfortable living and entertaining, with a stylish kitchen featuring dark cabinetry with black pearl leather finish granite countertops, stainless steel appliances, quartz countertop on the island that stands out as the centerpiece of the space. Just off the kitchen, the covered deck overlooks the backyard and provides an easy extension of the living and entertaining space.The split bedroom layout gives the primary suite privacy from the other bedrooms and includes a large walk-in closet, tiled walk-in shower, and large vanity. Two additional bedrooms and a full bath are located on the opposite side of the home. The fully finished walk-out basement provides even more living space with a fourth bedroom and full bath, family room, expansive recreation area, and laundry room. A 2-car attached garage adds convenience, while the 4.86-acre property provides plenty of room to enjoy the outdoors. With a spacious floor plan, finished walk-out basement, and quiet country setting, this home offers plenty of space while still being close to town.

2792 Hickory Hills Rd, Spencer

Listing courtesy of from Home Team Properties. Office: 844-821-6051
$369,000
3 Beds ⋅ 3 Baths ⋅ 202542708 MLS ⋅ 2,051 SqFt.
Open House, Thursday August 20, 5-7pm. Welcome to The Cypress, a 2,051 sq ft ranch home in the Four Oaks subdivision, tucked away on a quiet cul-de-sac where comfort and style effortlessly meet. This 3-bedroom, 2.5-bath home offers a desirable split-bedroom design with an open living room, kitchen, and breakfast area ideal for everyday living and entertaining. Start your mornings or wind down your evenings on the expansive covered front and back porches. The kitchen is designed for both functionality and gathering, featuring a large island, stainless steel appliances, and an adjacent formal dining room. Just off the breakfast area, you’ll find a convenient half bath, laundry/mudroom combination, and a private primary suite complete with a dual-sink vanity, tiled walk-in shower, and walk-in closet with thoughtful finishes throughout. A separate hallway leads to two additional bedrooms, a full bath, and a linen closet—providing privacy and space for family or guests. Life in Four Oaks offers the charm of small-town living with a wide-open country feel, along with amenities such as a community clubhouse, lakefront walking trail, and private dog park. With fiber internet, city utilities, and easy access to both Spencer and Bloomington, this neighborhood delivers the perfect balance of charm and convenience.

534 Dogwood E Ct, Spencer

Listing courtesy of from Home Team Properties. Office: 844-821-6051
$384,000
4 Beds ⋅ 2 Baths ⋅ 202542048 MLS ⋅ 1,947 SqFt.
Open House, Thursday August 20, 5-7pm. Welcome to The Lily, a thoughtfully designed 4-bedroom, 2-bath new construction home in the growing Four Oaks subdivision of Spencer, Indiana. The open-concept layout paired with a split-bedroom floor plan offers the perfect balance of connection and privacy. The kitchen is designed for both everyday living and entertaining, featuring a large island, solid wood cabinetry, stainless steel appliances, and durable quartz countertops. Sliding doors open to a covered porch, ideal for morning coffee, outdoor meals, or unwinding at sunset. The primary suite serves as a private retreat with a walk-in closet, dual-sink vanity, and a tiled walk-in shower. Throughout the home, luxury vinyl plank flooring adds style and easy maintenance, while the spacious 8x11 laundry/mudroom and 2-car attached garage add everyday convenience. A washer and dryer are included, making move-in effortless. Set in the Four Oaks community, residents enjoy small-town charm with a wide-open country feel, friendly neighbors, and peaceful surroundings, all just minutes from Spencer and a short drive to Bloomington’s shopping, dining, and entertainment. The Lily at Four Oaks brings together smart design, modern comfort, and the warmth of small-town living.

106 Pin Oak Rd, Spencer

Listing courtesy of from Home Team Properties. Office: 844-821-6051
$17,250
202520648 MLS
Wooded building site in Amazon Shores. Nice wooded site with electric, high speed internet and lake access

00 Estes Rd, Spencer

Listing courtesy of from West & Co., REALTORS. Cell: 812-585-0420
$360,000
3 Beds ⋅ 3 Baths ⋅ 202546077 MLS ⋅ 1,847 SqFt.
Open House, Thursday August 20, 5-7pm. Life in the Four Oaks Subdivision comes with space to breathe, room to gather, and thoughtful design, and 110 Pin Oak Road delivers all three. Built on the Spruce floor plan, this 1,847-square-foot home offers 3 bedrooms, 2 1/2 baths, and an open layout that feels both spacious and welcoming. The heart of the home is the kitchen, where a large island, quartz countertops, solid wood cabinetry, and a tiled backsplash create a clean, modern look that works just as well for everyday living as it does for entertaining. From there, the space opens effortlessly into the dining area and the expansive 16x22 living room, giving the home an easy, connected flow. Tucked nearby are a convenient half bath, laundry room, and direct access to the attached two-car garage. The primary suite is thoughtfully separated, offering a quiet escape with a walk-in shower, dual-sink vanity, and generous walk-in closet. Two additional bedrooms and a full bath with a tub/shower combo provide flexibility for guests, family, or a home office. With all appliances included, settling in is simple. Beyond the front door, Four Oaks offers walking trails around a private lake, a dog park, and a community clubhouse, plus quick access to Ellettsville, Bloomington, and downtown Spencer.

110 Pin Oak Rd, Spencer

Listing courtesy of from Home Team Properties. Office: 844-821-6051
$54,900
202543242 MLS
Picture your future home taking shape on this beautiful, level .37-acre lot at 127 Walnut Road in the Four Oaks community. With utilities and fiber internet available, you’re well positioned for a seamless custom build. This build-to-suit opportunity - with no spec homes permitted - ensures a neighborhood filled with thoughtfully designed, well-crafted homes created specifically for the people who live there. Life at Four Oaks is about enjoying a slower pace and a stronger sense of connection. Residents have access to a private lake with a scenic walking trail, a neighborhood dog park, a welcoming community clubhouse, sidewalks, and open green spaces that encourage time outdoors. Conveniently located just minutes from schools, shopping, and local dining and a short drive to Bloomington, this setting offers the perfect balance of peaceful living and everyday convenience. Put down roots, enjoy the surroundings, and build the home you’ve always envisioned at Four Oaks.

127 Walnut Rd, Spencer

Listing courtesy of from Home Team Properties. Office: 844-821-6051
$384,000
3 Beds ⋅ 2 Baths ⋅ 202544705 MLS ⋅ 2,220 SqFt.
Open House, Thursday August 20, 5-7pm. Discover this beautifully crafted 3-bedroom, 2-bath ranch in the sought-after Four Oaks Subdivision, offering 2,220 sq ft of thoughtfully designed single-level living. The Hazel floor plan features an open-concept layout with a split-bedroom design and a 19x8 sunroom that adds flexible living space. The kitchen is both stylish and functional, showcasing quartz countertops, stainless steel appliances, a tiled backsplash, and a large center island perfect for cooking and entertaining. The primary suite provides a private bath and spacious walk-in closet for a true retreat. Quality finishes abound, including luxury vinyl plank flooring, solid wood doors and trim, and a high-efficiency natural gas furnace. Four Oaks residents enjoy a private dog park, scenic lake with walking trail, and community clubhouse. Conveniently located off State Hwy 46, this home is just minutes from Spencer, Ellettsville, and Bloomington, blending small-town charm with easy access to city conveniences.

710 White Oak Rd, Spencer

Listing courtesy of from Home Team Properties. Office: 844-821-6051
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IDX information is provided by the Indiana Regional MLS and is exclusively for the consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS.

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