Spencer, IN Homes for Sale under $400,000

This move-in ready 3-bedroom, 2 full bath home sits on a 1-acre parcel and offers a thoughtfully designed split floor plan. The welcoming living and dining area features a vaulted ceiling, charming built-ins and a cozy pellet stove. The spacious eat-in kitchen provides plenty of cabinet storage and a great place to gather. The primary bedroom includes an ensuite bath and convenient direct access

Pilar Taylor The Indiana Team LLC

Escape to your own peaceful, park-like retreat just minutes from Spencer. This 2 bed, 2 bath home offers approx. 2,130 sqft in a tranquil setting. Welcoming front porch provides the perfect place to relax & take in quiet surroundings. Stunning kitchen stands out w/ custom-built cabinetry, granite countertops, large island, & oversized walk-in pantry. Main level includes bedroom, bath, laundry,

Samantha Carver Home Team Properties

This cozy 3 bedroom, 1 bath home featuring 9 foot ceilings that create a spacious and airy feel. Hardwood floors in living room and bedrooms. Enjoy relaxing in the bright sunroom, complete with a hot tub perfect for year-round enjoyment. Convenient detached carport for covered parking.

William Hurst Carpenter, REALTORS-Bloomington

What a find, 11 beautiful acres of forested land and a charming farmhouse with several outbuildings. The property features a nice 1250 sq ft home with 2 BR and 1 full Bath, a two-car detached garage and back yard shed. The home has some recent big-ticket upgrades including a new roof, a plumbing upgrade that included a new well pump and new HVAC system with a heat pump. The property has a nice

Deborah Foutch Owen County Home Company

Located on Owen County's east side just minutes from Spencer and Ellettsville, this spacious 4-bedroom, 2-bath manufactured home offers 2,240 square feet of living space on a 2-acre lot. Outside, you'll find plenty of room to enjoy the outdoors with a detached 2-car garage, storage shed, above-ground pool, and covered deck—ideal for entertaining, gardening, hobbies, or simply enjoying the country

Samantha Carver Home Team Properties

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

Samantha Carver Home Team Properties

Welcome to 310 Garden Park in the heart of Spencer! This beautifully maintained 3-bedroom, 2.5-bath with an office (potential 4th bedroom) home offers the perfect blend of comfort, space, and convenience. Situated on a rare double lot totaling .54 acres, you’ll love the expansive, level yard—ideal for outdoor activities, entertaining, or simply enjoying the peaceful surroundings. Inside, the home

Judson Casebeer Century 21 Scheetz - Bloomington

Beautiful new construction ranch on 1.7 acres just minutes from town. This 3 bed, 2 bath home offers an open-concept layout with real walnut hardwood floors, quartz countertops, and timeless finishes throughout. Enjoy a private wooded setting with both front and back porches—perfect for relaxing or entertaining. Ideal blend of quality, comfort, and convenience. Don't miss out on the opportunity

Ashton Hoene F.C. Tucker Company

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

Samantha Carver Home Team Properties

Escape to the country while staying close to everything! This attractive 3-bedroom, 2-bath home offers 2,179 square feet of comfortable living space on 1.4 beautiful acres with mature trees, plenty of open yard, and ample space for gardening, outdoor activities, or simply enjoying the peaceful surroundings.Inside, the open floor plan creates an inviting space for everyday living and entertaining.

Samantha Carver Home Team Properties

Nestled on 7.2 picturesque acres, this beautifully updated 4 bedroom, 3 bath ranch manufactured home offers the perfect blend of modern comfort and country living. With 2,356 square feet of thoughtfully designed living space, you'll appreciate the open layout, abundant natural light, and extensive updates throughout. The heart of the home is the stunning 26' x 15' kitchen featuring quartz

Sherri Walstrom Carpenter, REALTORS®

Charming and move-in ready ranch located in the heart of Spencer, directly across from the fairgrounds! This 3-bedroom, 2-bathroom home offers a perfect blend of character and updates, featuring original hardwood floors, freshly painted cabinets and a brand new roof complete with warranty! Weather you're relaxing at home or taking advantage of the convenient location, this home is ready for it's

Daniel Letman Century 21 Scheetz - Bloomington

Welcome to an extraordinary, turn-key retreat where modern luxury meets wide-open possibility. Completely renovated from top to bottom, this breathtaking home sits on 8.5 picturesque acres-offering the perfect blend of style, space, and serenity. At the heart of the home, a show-stopping chef's kitchen dazzles with gleaming quartz countertops, premium soft-close cabinetry, and a sophisticated

Amber Montague Daniels Real Estate

Spacious 4-bedroom, 1-bath home offering 1,360 sq. ft. of living space, conveniently located just a couple of blocks from Spencer Elementary. This home has seen several updates over the past five years, including a new roof and gutters installed in 2024 and a freshly painted garage in 2025. The oversized one-car garage features a unique sliding door design rather than a traditional overhead door,

Chris Wesley RE/MAX Select Associates, Inc.

Charming home full of character and recent updates in a prime Spencer location! Improvements include a new natural gas furnace, central air, new ductwork, updated kitchen countertop, and freshly painted exterior. Inside you'll find original built-in shelving, arched doorways, classic wall sconces, abundant natural light, two main-level bedrooms, and a spacious full bath. The kitchen offers ample

Tilden Keith Keith Realty & Auction Group

Experience the perfect balance of modern peaceful country living and optimal location in this beautifully renovated ranch, ideally situated on nearly one acre. Updated with new siding, a brand-new roof, and a complete suite of new appliances, this move-in-ready home offers more room than most Ranch style homes. Home has had an addition and offers two separate living areas and a double deep 2c

Tammy Everett Everett Realty Group, LLC

Recently remodeled in 2026, this move-in-ready property offers a blend of updated living space and versatile outdoor amenities on 4.29 acres. The home features 3 bedrooms and 11⁄2 baths with recent improvements throughout. There is a great back porch to enjoy the outdoors and be hidden away for some privacy. Outside, you'll find a 24' x 36' pole barn, 20' x 20' carport, and an 8' x 12' storage

Vern Keith Keith Realty & Auction Group

OPEN HOUSE, Sunday April 12, 1-3 pm. Welcome to The Alder at 712 White Oak Road in the Four Oaks community, a thoughtfully designed 3-bedroom, 2-bath home filled with functional spaces and stylish finishes. Inside, you'll find a versatile office space and a bright 13x13 sunroom, perfect for working from home, hobbies, or creative pursuits. A generous 12x10 laundry/mudroom with built-in storage

Samantha Carver HOME TEAM Properties

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

Samantha Carver Home Team Properties

Step into a piece of history with this enchanting historic home, gracefully nestled on a tree-lined street in the heart of downtown Spencer. This stately residence boasts 7 bedrooms and 2.5 baths. A vintage fireplace adorns the living room and large windows allow a lot of natural light. ADA features, a built in bookcase, original woodwork, and other historic features make this home truly unique.

Beth Walden Seasons of Indiana Real Estate LLC

Welcome home to this beautifully remodeled peaceful country property situated on almost 4 acres in Spencer! This charming home offers the perfect blend of modern updates and rural tranquility. Inside, you’ll find a spacious eat-in kitchen featuring an island, abundant cabinetry, and all new stainless steel appliances. The main level includes two bedrooms, including a private primary suite,

Eweami Powers The Indiana Team LLC

With over 3,000 square feet of living space, this beautifully maintained 5-bedroom, 3 full bath home offers the space and versatility you've been looking for. Inside, you'll find two cozy fireplaces, a functional layout perfect for entertaining or relaxing, and generously sized bedrooms. The kitchen and living areas flow effortlessly, with great natural light and room to spread out. Step outside

Merissa Houston Keller Williams Indy Metro Partners

Take a look at this 4 bedroom, 3 bath, 3502 sq. ft. Brick Ranch over finished walk-out basement. At the entrance the foyer extends to the living room, dining area and around to the kitchen. The kitchen features a huge island with plenty of counter space, cabinets and storage. There is a door from the kitchen and a sliding patio door from the dining room onto the 16x20 upper deck. The primary

Chris Wesley RE/MAX Select Associates, Inc.

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

Melissa Fulk Valu-net Realty

Move-in ready and beautifully updated, this charming bungalow on Spencer’s south side offers 2 bedrooms, 1 full bath, a partial basement, and an oversized detached garage with plenty of room for vehicles, storage, or hobbies. Inside, you'll find a spacious kitchen featuring a new range and refrigerator, a large living room filled with natural light from updated windows, and gorgeous solid oak

Deborah Foutch Owen County Home Company

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

Samantha Carver Home Team Properties

Welcome home to this sparkling, newly constructed farmhouse-style residence located in one of Owen County's premier subdivisions. Situated on a generous 0.52-acre lot, this attractive single-level home features striking red vinyl siding accented by a black metal roof, creating exceptional curb appeal. Offering 1,926 square feet of thoughtfully designed living space, this home includes 3 spacious

Deborah Foutch Owen County Home Company

Imagine waking up to peaceful views, stepping outside with your morning coffee, and hearing nothing but birds and the quiet of the countryside. Tucked away on 2 private acres with no visible neighbors, this property offers the kind of privacy and freedom that's getting harder and harder to find. Inside, the home offers 2,688 square feet with 4 bedrooms and 2 baths, highlighted by a stunning

Shannon Schoolcraft Keller Williams Indy Metro Partners

Great starter home featuring two bedroom, enclosed front porch and a small deck. Home also has a carport and a detached two car garage. This is almost a half acre lot with a great view towards the town. Easy access to all amenities at an affordable price. Seller requires 10 days on market before reviewing any offers.

Ronita Walcott Evergreen Real Estate & Auctions

OPEN HOUSE, Sunday April 12, 1-3 pm. 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

Samantha Carver HOME TEAM Properties

Charming home full of character and recent updates in a prime Spencer location! Improvements include a new natural gas furnace, central air, new ductwork, updated kitchen countertop, and freshly painted exterior. Inside you'll find original built-in shelving, arched doorways, classic wall sconces, abundant natural light, two main-level bedrooms, and a spacious full bath. The kitchen offers ample

Tilden Keith Keith Realty & Auction Group

Welcome home to this charming limestone ranch in Spencer! This well maintained 3-bedroom, 2 full bath home offers the perfect blend of comfort and functionality. Featuring a spacious layout of 2031 sq ft with a practical kitchen and cozy dining area with fireplace ideal for everyday living or entertaining. The attached 2 car garage provides convenience while the additional carport offers more

Tara White Century 21 Scheetz - Bloomington