Spencer Homes with Not Applicable HOA Frequency

Welcome to Spencer, Indiana – a charming town that beautifully blends small-town charm with modern amenities. Nestled in the heart of Owen County, Spencer is known for its rich history, friendly community, and picturesque landscapes. With its quaint downtown area, residents enjoy a variety of local shops, restaurants, and parks that promote an active and enjoyable lifestyle. Spencer is also surrounded by stunning natural beauty, featuring scenic hiking trails and serene lakes that are perfect for outdoor enthusiasts.

One of the most appealing aspects of living in Spencer is the availability of homes that do not come with homeowners association (HOA) fees. This means more freedom and flexibility for homeowners, allowing you to personalize your property without the constraints often imposed by an HOA. Whether you’re looking for a cozy bungalow or a spacious family home, Spencer offers a diverse range of properties that cater to various lifestyles and budgets.

In addition to its affordable housing options, Spencer boasts a strong sense of community. Residents frequently gather for local events, farmers' markets, and festivals, fostering connections and friendships that last a lifetime. The town's commitment to preserving its history and culture is evident in its well-maintained architecture and community initiatives.

If you're seeking a place where you can enjoy the tranquility of small-town living while still having access to modern conveniences, Spencer, Indiana, is the perfect choice. Discover your dream home in this welcoming community and experience all that Spencer has to offer!

Newest Spencer Homes with Not Applicable HOA Frequency

$337,000

3 Beds ⋅ 3 Baths ⋅ 202641628 MLS ⋅ 1,764 SqFt. ⋅ Jason Millican

3 bed, 2.5 baths new ranch home, 1764 finished sq ft!. Amenities include two car attached garage, quartz counter tops, wood flooring, tile floors, walk in shower, walk in pantry, wrap around front porch, washer and dryer, gas tankless water heater, sewer and high efficiency gas furnace. House sits on crawlspace, includes implied state builders warranty, private water, high speed internet, close to schools and Ellettsville.

1444 Cedar Ridge Ct, Spencer

Listing courtesy of Jason Millican from Jason Millican Group. Cell: 317-372-9999

$327,000

2 Beds ⋅ 2 Baths ⋅ 202641618 MLS ⋅ 1,520 SqFt. ⋅ Samantha Carver

If you're looking for a place with room to spread out, enjoy the outdoors, and make a property your own, take a look at this 2-bedroom, 2-bath Amish-built home on 19.18 acres just 3 miles from Spencer. The 1,520-square-foot home has a comfortable, open feel with the kitchen and living room flowing together. One of the best spots in the house is the covered back deck, which runs the full length of the home and looks out over the backyard. It's an easy place to picture yourself having a quiet morning, watching wildlife, or gathering with friends and family. There is also a covered front porch and plenty of mature shade trees that add to the peaceful setting. Inside, the 15x 18 primary bedroom has a large bathroom with handicap-accessible features. The home has city water, high-speed internet availability, 200-amp electrical service, and a roof that is less than 10 years old. The property has a lot to offer beyond the house. Multiple fenced pastures are ready for animals, and there is a small orchard, two ponds, a pole barn with electricity, and a detached one-car garage. There is also a separate pad for a mobile home with its own electrical pole and septic system, offering additional possibilities for the property.

3333 Patricksburg Rd, Spencer

Listing courtesy of Samantha Carver from Home Team Properties. Office: 844-821-6051

$150,000

3 Beds ⋅ 1 Baths ⋅ 202641546 MLS ⋅ 1,696 SqFt. ⋅ Jared Franklin

Peaceful and private 3 bedroom, 1 bath home situated on approximately 4 wooded acres near the White River. The home offers a spacious layout and may have the potential to be converted back into a 3 bedroom, 2 bath configuration. With a large yard, wooded surroundings, and plenty of room for improvement, this property is a great opportunity for buyers looking to add their own personal touch in a quiet country setting.

864 S Hilltop Dr, Spencer

Listing courtesy of Jared Franklin from Signature Real Estate. wes@signaturesullivan.com

$309,000

3 Beds ⋅ 2 Baths ⋅ 202640783 MLS ⋅ 1,400 SqFt. ⋅ Bob Magiera

Nearly an acre in Concord Villas with space inside and out! 5.3% VA Assumable loan on this move-in-ready 3-bedroom, 2-bath ranch at 3303 Westward Rd which offers approximately 1,400 sq. ft. of single-level living with a desirable split-bedroom floor plan and a semi-open layout connecting the kitchen, dining and living areas. The spacious eat-in kitchen features abundant oak cabinetry, generous counter space, a center island and stainless-steel appliances, while the 20x13 living room provides plenty of room to gather and offers direct access to the rear deck. The private primary suite creates a comfortable retreat, with two additional bedrooms offering flexibility for family, guests or a home office. Outdoor living is a major highlight. Enjoy the covered front porch, rear deck, expansive paver patio, built-in firepit and a large, level backyard with plenty of room for recreation, gardening, pets and entertaining. A 12x16 storage shed provides valuable space for lawn equipment and outdoor gear, while the oversized attached 2-car garage adds even more storage and convenience. The home sits back from the road with mature landscaping and a large front yard, giving the property a spacious feel that is increasingly hard to find. Concord Villas has recorded covenants and restrictions but no HOA fees. Located on the east side of Spencer, the property offers convenient access to State Road 46, providing an easy route into Spencer or east toward Bloomington. Outdoor recreation is close by at McCormick's Creek State Park, Indiana's first state park, featuring a limestone canyon, waterfalls, hiking trails, Canyon Inn and additional recreational amenities. Spencer offers everyday shopping and services, while Bloomington expands the options with Indiana University, dining, entertainment, shopping and major regional employers including Indiana University, Cook Group and IU Health. Boston Scientific also maintains operations in Spencer, making this location convenient for several of the area's major employment centers.

3303 Westward Rd, Spencer

Listing courtesy of Bob Magiera from Hoosier Realtors.

$425,000

3 Beds ⋅ 2 Baths ⋅ 202640035 MLS ⋅ 1,900 SqFt. ⋅ Angela Hall

Brand new construction offering nearly 2,000 sq ft of beautifully designed living space on a private, secluded lot! This 3BR, 2 full BA home boasts an impressive open concept layout with vaulted ceilings and plenty of space for living, dining, entertaining and a built in office area or for whatever you need the additional space. Split floor plan with primary suite and a huge walk in closet! The spacious kitchen flows seamlessly into the main living and dining areas, creating a bright and inviting central gathering space. A large laundry room provides additional convenience, while the oversized 2 car attached garage offers plenty of room for vehicles, storage and more. Enjoy the privacy and peaceful setting while still being conveniently situated between Bloomington, Spencer and minutes from beautiful McCormick's Creek State Park. **Additional photos will be added as construction is completed.

1567 Elliston Creek Dr, Spencer

Listing courtesy of Angela Hall from New Start Home Realty LLC. plauck@newstarthomerealty.com

$334,900

2 Beds ⋅ 2 Baths ⋅ 202639549 MLS ⋅ 2,832 SqFt. ⋅ Debbie Foutch

Welcome home to this move-in-ready, single-story ranch style home located in one of Spencer’s most convenient and desirable neighborhoods! Situated on two full city lots, this beautifully maintained brick-front home offers an abundance of indoor and outdoor space, mature landscaping, plenty of off-street parking, a detached garage, basketball court, and a brand-new concrete driveway. Inside, you’ll find two spacious bedrooms with the potential to easily create a third, along with two full baths. The home offers multiple living and entertaining areas, including a formal living room, a bright and inviting three-season room filled with natural light, a huge living room with an electric fireplace, plus an expansive family/game room—providing plenty of room to spread out, entertain, or simply relax. The well-appointed kitchen features an abundance of oak cabinetry, a convenient pantry, center island with sink, and a breakfast bar with additional seating. The generous primary suite includes a private ensuite bath with both a tub and separate shower, a walk-in closet, plus an additional wall of closet space. Pride of ownership is evident throughout this exceptionally well-maintained home. Recent improvements include a new roof and gutters, new water heater, new storm door, updated electrical, fresh interior paint, new refrigerator, garbage disposal, sump pump, and sewer drains. The furnace, central air, and fireplace have all received regular routine maintenance. The spotless basement provides excellent additional storage, while the two full city lots offer plenty of outdoor space to enjoy. With its spacious floor plan, numerous updates, outstanding condition, and desirable Spencer location, this home has so much to offer. Spencer is a thriving, growing community with so much to offer: Our beautiful downtown area is home to several coffee shops, bakeries, gift shops, a quaint friendly pub and several restaurants. We have a great farmers Market, The Tivoli Theater, My Path Trail that goes all the way to McCormick's Creek State Park and an upcoming Riverfront project in the works. There is something to do every weekend: Come be a part of this growing community.

679 E Indiana Ave, Spencer

Listing courtesy of Debbie Foutch from Owen County Home Company. Cell: 812-821-7005

$299,000

3 Beds ⋅ 3 Baths ⋅ 202638851 MLS ⋅ 1,816 SqFt. ⋅ Sable Beyers

Welcome to this one-owner, two-story home built in 2016! Situated on a spacious 0.22-acre lot, the property features a fully fenced backyard with privacy fencing—perfect for outdoor entertaining, pets, or play. Inside, you’ll find three bedrooms, a dedicated home office, and two-and-a-half bathrooms. The main level offers a spacious living room, a well-appointed kitchen with stainless steel appliances, an adjoining dining area, a large laundry room, an office, and a convenient half bathroom. Upstairs, the primary suite includes a private bathroom with a walk-in shower and double-sink vanity. Two additional bedrooms and a second full bathroom complete the upper level. Excellent location directly across the street from McCormick’s Creek Elementary School and approximately half a mile from State Road 46, providing easy access for commuters.

1560 Fox Run Ct, Spencer

Listing courtesy of Sable Beyers from Beyers Realty. Cell: 812-327-8734

$315,000

3 Beds ⋅ 2 Baths ⋅ 202638251 MLS ⋅ 2,078 SqFt. ⋅ Darren Gilmore

WOW!! Check out this 2078sqft partial berm home. Come into the Beautiful family room with gas fire place 18x19 behind the barn door is laundry mechanical closet and storage. Step up into the hall to a flex space 16x11 with wood burning fire place and built ins , Off to the right is the master suit 10x15 with on suit master bath with soaker tub and stand up shower. Move into the large kitchen at 12 x16 plenty of space to prep and appliances stay. Off the kitchen is a dinning and living room combo at 12x24 with large picture windows over looking the hillside. From there you go down the hall to two bedrooms at 11x9 each and a second bath. Newer paint and wood floors through out the home also new light fixtures. Out side setting is a wooded area with 2.94ac with a fire pit, shelter house, and a new yard barn for storage. Will come with 1year Home Warranty. Close to Spencer and McCormick State Park, 28 minutes to Martinsville and Bloomington

507 N Us 231st Hwy, Spencer

Listing courtesy of Darren Gilmore from CK Realty Homes. cell: 812-709-0859

$175,000

3 Beds ⋅ 2 Baths ⋅ 202637790 MLS ⋅ 1,512 SqFt. ⋅ Tara White

Welcome to this inviting 3-bedroom, 2-bath manufactured home conveniently located in the town of Spencer. Offering comfortable living space and practical features, this home is a great opportunity for anyone looking for an affordable place to call home. The spacious layout provides three bedrooms, including a comfortable primary suite with its own private bath. The additional bedrooms offer flexibility for family, guests, a home office, or hobbies. The open living areas create a welcoming space for everyday living and entertaining, while the two full bathrooms add convenience. A one-car attached garage provides secure parking and additional storage space. Situated in town, the property offers convenient access to local shops, restaurants, schools, parks, and community amenities. Whether you’re a first-time buyer, downsizing, or looking for a comfortable home in a convenient location, this property is worth a look. Schedule your showing today and discover what this Spencer home has to offer.

267 N East St, Spencer

Listing courtesy of Tara White from Century 21 Scheetz - Bloomington. Cell: 812-821-1735

$359,900

3 Beds ⋅ 3 Baths ⋅ 202637549 MLS ⋅ 1,944 SqFt. ⋅ Samantha Carver

Welcome to this beautifully remodeled 3-bedroom, 2.5-bath Cape Cod nestled on 1.86 acres of peaceful, partially wooded land just outside Spencer, Indiana. This turn-key home blends classic character with thoughtful updates and beautiful views throughout the property. The main level features a spacious primary suite with wainscoting, a full bath, and a dreamy walk-in closet with a custom organization system. The updated eat-in kitchen is the heart of the home, offering butcher block countertops, a walk-in pantry, center island, stainless steel appliances, and an inviting fireplace. Just off the kitchen, the sunroom provides a comfortable place to relax while taking in the surrounding views. Upstairs, two bright bedrooms share a full bath, with charming nooks and details throughout that add to the home's Cape Cod character. Brick accents in the living area and kitchen, along with wood pillars along the staircase, add warmth and personality to the space. Major updates over the past 5 years include plumbing, electrical, siding, windows, and appliances, giving you the character of an older home with many of the updates today's buyers are looking for. Step outside and enjoy the quiet and privacy of 1.86 acres, whether you're sipping coffee on the porch, relaxing in the sunroom, or watching the sunset across the surrounding landscape.

3270 Freedom Rd, Spencer

Listing courtesy of Samantha Carver from Home Team Properties. Office: 844-821-6051

$299,900

2 Beds ⋅ 2 Baths ⋅ 202636130 MLS ⋅ 1,516 SqFt. ⋅ William Hurst

Private wooded retreat with comfort and character. Tucked away on a beautiful private wooded lot, this charming 2 bed, 2 bath home offers the perfect blend of comfort, privacy and character. Inside, you will find inviting living spaces highlighted by 2 wood burning fireplaces, one in the upstairs great room and the other in the screened in porch. Enjoy your morning coffee or unwind at the end of the day in the private screened in porch and enjoy the peacful sounds of nature. The property also features an oversized garage, providing plenty of room for vehicles, storage or workshop.

2984 Patricksburg Rd, Spencer

Listing courtesy of William Hurst from Carpenter, REALTORS-Bloomington. Cell: 812-322-7543

$359,900

3 Beds ⋅ 3 Baths ⋅ 202635957 MLS ⋅ 2,552 SqFt. ⋅ Debbie Foutch

Everything you could possibly want, all on 1.69 acres just minutes from Spencer! This well-kept property features a 3-bedroom, 2.5-bath manufactured home with several recent updates. There is an attached garage with a huge bonus room above, offering plenty of additional space for a home office, game room, hobby area, work out room or simply extra living space (It has its own Mini-Split System). Outside, you’ll find an impressive, 30X40, pole barn with concrete floors, overhead garage doors, and a wood-burning stove—perfect for a workshop, storage, vehicles, or all those extra toys. The mostly level acreage is nicely landscaped and includes a fabulous, fenced garden area, raspberry and blueberry bushes, and established fruit trees. Located just off Hyden Road on a quiet dead end road, this property offers the space and country feel you’ve been looking for while keeping you close to town. City water, a good septic system, 5-year-old metal roof (Lifetime transferrable warranty on the gutter guards), and a newer Heat Pump, A/C and water heater all add to your peace of mind. Home, garage, workshop, garden, and acreage—it’s all here!

1123 Westwoods Dr, Spencer

Listing courtesy of Debbie Foutch from Owen County Home Company. Cell: 812-821-7005

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Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker of MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some listings have been excluded from this website.