3430 E State Highway 46 Spencer, IN $ 217,900
3430 E State Highway 46
$ 217,900
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3430 E State Highway 46

Spencer, IN, 47460
$ 217,900
Bedrooms3 Baths2.0 Sq 1,324

Monthly Estimate*

$ 1,376

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Single Family Home for sale in Spencer, IN

for $217,900 with 3 bedrooms and 2 full baths. This 1,324 square foot home was built in 1960 on a lot size of 0.54.

Welcome home to this charming 3-bedroom, 2-bath ranch nestled on 0.54 acres on Owen County's desirable east side, offering a quick and convenient commute to Spencer or Bloomington. From the moment you arrive, you'll appreciate the beautifully landscaped yard and inviting outdoor spaces, including the converted carport that now serves as a relaxing covered sitting area. The backyard features established fruit trees and bushes, a dedicated garden area, multiple places to unwind-including a charming porch swing-and peaceful views of the neighboring farmland. Inside, the spacious living room welcomes you with gleaming hardwood floors, a large picture window, and an abundance of natural light. The kitchen offers ample cabinet and counter space, and all appliances are included, making your move even easier. The oversized family room provides incredible flexibility and could easily be transformed into a fourth bedroom, or private primary retreat thanks to its adjoining full bathroom. Recent updates include a new metal roof, new attic insulation and new water lines for added peace of mind and energy efficiency. Whether you need extra living space, a home office, or room for hobbies, this versatile layout can adapt to your needs. Home is being sold "As Is".

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Single Family Active

Price

$ 217,900

Bedrooms

3

Full Bath

2

Property Type

Single Family

Taxes

$ 866

Style

Ranch

Lot Size

0.54

Year Built

1960

Town/City

Spencer

County/Region

Owen

MLS | Web ID

22117134

Features
Interior
Interior Amenities Hardwood Floors Eat-in Kitchen
Basement (Y/N) N
Half Baths 0
Laundry Features Main Level
Total Bedrooms 3
Main Level Bedrooms 3
Total Baths 2
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General
Heating Natural Gas
Cooling Central Air
Utilities Electricity Connected Natural Gas Connected Septic System Water Connected
Possession Negotiable
Appliances Microwave Electric Oven Refrigerator
Patio/Porch Features Deck Porch
Architectural Style Ranch
Construction Materials Aluminum Siding
Year Built 1960
Township Washington
Levels One
Property Subtype Single Family Residence
Tax Year 2026
County Owen
New Construction N
Property Type Residential
HOA N
Subdivision Name No Subdivision
Garage Y/N N
Total Rooms 7
Full Baths 2
Status Active
Directions GPS Friendly
High School Owen Valley Community High School
City Spencer
High School District Spencer-Owen Community Schools
MLS Area 6010 - Owen - Washington
Lot Size Square Feet 23522
Elementary School McCormick's Creek Elementary Sch
Property Attached Y/N N
Current Financing Conventional FHA VA
Middle/Junior High School Owen Valley Middle School
Additional Parcels Y/N N
Virtual Tour https://youtu.be/UqqirjT9gN8
Standard Status Active
Tax Lot 601026100010090027
Legal Description POWELL SUB DIV LOT 9
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Exterior
Exterior Amenities Storage Shed
Parking Features Gravel
Lot Features Not In Subdivision
Water Source Public
Foundation Details Crawl Space Slab
Spa N
Building Area Total 1324
Lot Size Acres 0.54
Waterfront Y/N N
Horse Amenities None
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* Excluded Features
List By
Home Team Properties

Broker

scarver@homefinder.org

Email

Affordability Calculator

$1,448
Per Month
95%
5%
0%
Monthly Principal & Interest
$1,376
Monthly Property Taxes
$72
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.49% 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
4046850 Elementary School
4046639 Middle School
Owen Valley Community High School High School
Pricing History
DatePricePrice ChangeDescription
8/3/2026$217,900 Listed Price

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3430 E State Highway 46, Spencer, IN, 47460 is a Single Family Home for sale at $217,900 with 1,324 sqft and a lot size of 0.54. 3430 E State Highway 46 has 3 bedrooms, 2.0 baths, and was built in 1960. The property's zip code is 47460 which is in Spencer, IN