75 W Clay Street Spencer, IN ^$ 199,900

75 W Clay Street

^$ 199,900

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Recently Listed

75 W Clay Street

Spencer, IN, 47460

^$ 199,900

Bedrooms2 Baths1.0 Sq 840

Monthly Estimate*

^$ 1,381

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Single Family Home for sale in Spencer, IN

for $199,900 with 2 bedrooms and 1 full bath. This 840 square foot home was built in 1880 on a lot size of 0.18.

Completely updated 2 bed, 1 bath home only a few steps from downtown Spencer's restaurants, movie theater and shops. The interior has been completely remodeled including living room, primary bedroom with walk-in closet, full bath including laundry, modern kitchen, pantry and guest bath. The exterior of the home offers a wraparound covered front porch, a large fenced in yard with a double lot and a storage shed. This home has new flooring, paint, remodeled kitchen, new HVAC system and new roof + gutters.

Single Family Active

Price

^$ 199,900

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 595

Style

Bungalow

Lot Size

0.18

Year Built

1880

Town/City

Spencer

County/Region

Owen

MLS | Web ID

202643845

Features

General

Sewer City

Heating Electric Heat Pump

Kitchen Level Main

Cooling Central Air

Laundry Y/N Main

Fireplaces No

Amenities Closet(s) Walk-in Deck Covered Eat-In Kitchen Porch Covered Main Floor Laundry

Status Active Active

Full Baths 1

Half Baths 0

Bathrooms 1

Year Built 1880

New Construction No

Subdivision None

Style One Story

Township Washington

Class RESIDENTIAL

Type Site-Built Home

Age 146

REO No

Status Detail 0

Common Amenities None

Area Owen County

High School Owen Valley

City Spencer

School District Spencer-Owen Community Schools

Architectural Style Bungalow

Total Sq Ft 960

Elementary School Spencer

Middle School Owen Valley

Legal Description SPENCER W 1/2 LOT 212

Virtual Tour https://360tourdesigns-central-in.hd.pics/h/2A49FD7D9C4A431CA0F769F9CA0E6417

Agent First Name Heather

Agent Last Name Groves

DOM 1

Tax Year 2026

Interior

Basement Crawl Cellar Partial Basement Unfinished

Flooring Vinyl

Beds 2

Total Rooms 6

Fireplace None

Living Room Width 12

Other Room 1 Description Pantry

Living Room Length 15

Full Baths Main 1

Full Baths Upper 0

Above Grade Bedrooms 2

Below Grade Baths 0

Below Grade Bedrooms 0

Full Baths Below Grade 0

Half Baths Below Grade 0

Half Baths Main 0

Half Baths Upper 0

1st Bedroom Level Main

1st Bedroom Width 12

2nd Bedroom Length 11

2nd Bedroom Level Main

2nd Bedroom Width 12

Basement Material Block

Exterior

Exterior Vinyl

Driveway None

Pool No

Lot Size Area 7841

Lot Dimensions irr

Lot Description Corner Level 0-2.9999

Fence Full Privacy Wood

Water Features None

Waterfront Y/N No

* Excluded Features

List By

Heather Groves

Listing Agent

Sterling Real Estate

Broker

heather.neidigh@homefinder.org

Affordability Calculator

$1,430

Per Month

Monthly Principal & Interest: $1,381
Monthly Property Taxes: $50
Monthly Home Insurance: --

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Down Payment

Loan Term

Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Single family listings in Spencer, IN

Average List Price ^$390,932

Percent of Sale Price 96%

About Spencer, IN

2,332 Population

-12% Since 2002

^$40,502 Median Income

40.93 Median Age

29% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

1236904 Elementary School

1236321 Middle School

Owen Valley High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
10/23/2026	$199,900		Listed Price

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75 W Clay Street, Spencer, IN, 47460 is a Single Family Home for sale at $199,900 with 840 sqft and a lot size of 0.18. 75 W Clay Street has 2 bedrooms, 1.0 baths, and was built in 1880. The property's zip code is 47460 which is in Spencer, IN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Listing data provided courtesy of the Internet Data Exchange Program of the Multiple Listing Service of the Indiana Regional Multiple Listing Service.

The data relating to real estate for sale on this web site comes in part from the Indiana Regional Multiple Listing Service. Real Estate listings held by brokerage firms (licensees) other than Weichert Realtors include the name of the listing brokers.

The information being provided is for 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 updated as of 10/24/2026.

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75 W Clay Street

Single Family Home for sale in Spencer, IN

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