Spencer Homes with Monthly HOA Frequency

Welcome to Spencer, Indiana – a charming town nestled in the heart of Owen County, where small-town charm meets natural beauty. With its picturesque landscapes and friendly community, Spencer is an ideal place for those seeking a peaceful lifestyle while still enjoying the conveniences of modern living.

Spencer boasts a rich history, evident in its well-preserved architecture and local landmarks. The town is surrounded by lush forests, serene lakes, and scenic parks, making it a haven for outdoor enthusiasts. Whether you’re hiking the trails at McCormick’s Creek State Park or enjoying a leisurely day fishing at nearby lakes, nature is always just a stone’s throw away.

When it comes to real estate, Spencer offers a variety of homes that cater to different lifestyles and budgets. For those looking for a hassle-free living experience, many properties in Spencer come with a monthly Homeowners Association (HOA) fee. These homes not only provide maintenance-free living but also foster a sense of community among residents. The HOA often covers amenities such as landscaping, community events, and recreational facilities, allowing you to enjoy your home without the stress of upkeep.

In Spencer, you’ll find a welcoming community, excellent schools, and a variety of local shops and restaurants that make everyday living delightful. Whether you’re a first-time homebuyer, a growing family, or looking to retire, Spencer, Indiana, has something for everyone. Come discover the charm of Spencer and find your perfect home today!

Newest Spencer Homes with Monthly HOA Frequency

$224,900

2 Beds ⋅ 2 Baths ⋅ 202618685 MLS ⋅ 1,296 SqFt.

Welcome home to this well-maintained 2 bedroom, 2 full bathroom 50 and over condo/community located just steps from the charming town square in Spencer! The large living room with gorgeous hardwood floors open up to the kitchen allowing for seamless entertainment. Built in 1996, this move-in ready home features new carpet in both bedrooms, both with spacious walk-in closets, along with a mix of hardwood floor complemented with tile and laminate flooring throughout the home. Enjoy the added bonus of a cozy seasonal room, perfect for relaxing or unwinding in the evening during any season. Fresh paint in multiples rooms, including the garage give this property a clean, refreshed, and well-cared-for appearance. Recent updates include a new roof, exterior shutters, ramp railing, and a garbage disposal in 2023, and laundry room floor was installed in 2026. Enjoy low-maintenance living with an HOA that covers lawn care, snow removal, trash service, and access to the shared park. Convenient location to the quaint historic downtown offering shopping, dining, and seasonal festivals. Highways IN-46 and IN-67 are located centrally for easy access!! Please note: Current exemption and tax status is not reflected in property taxes, as this property is utilized as an investment property.

122 S East St, Spencer

Listing courtesy of from Valu-net Realty. office: 812-327-5194

$199,000

2 Beds ⋅ 2 Baths ⋅ 202616565 MLS ⋅ 1,296 SqFt.

Well-maintained 1296 sq. ft. 2-bedroom, 2 bath condo in Spencer. This home offers Living Room, Kitchen and Dining area across the front of the home, walk in closet, laundry room and an open patio out back for your enjoyment. The property has a 23x29 2 car attached garage with a workbench. Roof was replaced in 2025. The HOA fee includes lawn care, snow removal, and trash pick-up.

302 E Lewis Ln, Spencer

Listing courtesy of from Stanger Homes, LLC. michelle.stanger@homefinder.org

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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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