Listing courtesy of Home Team Properties · Listing agent: Samantha Carver · Office: 844-821-6051
106 Pin Oak Road
Spencer, IN 47460Four Oaks
Original price $400,000 · Price reduced on August 6, 2026
- New construction
- 2-car garage
- Energy efficient
- Bedrooms
- 4
- Bathrooms
- 2
- Living area
- 1,947 sq ft
- Lot
- 0.32 ac
- Year built
- 2025
- Type
- Site-Built Home
- Listed
- October 16, 2025
- MLS #
- 202542048
Open houses
- Sun, Oct 111:00 PM – 3:00 PM
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About this home
OPEN HOUSE Sunday, October 11 1-3pm. 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 appliances, and durable quartz countertops. Sliding doors open to a covered porch, ideal for morning coffee, outdoor meals, or unwinding at sunset. The primary suite serves as a private retreat with a walk-in closet, dual-sink vanity, and a tiled walk-in shower. Throughout the home, luxury vinyl plank flooring adds style and easy maintenance, while the spacious 8x11 laundry/mudroom and 2-car attached garage add everyday convenience. A washer and dryer are included, making move-in effortless. Set in the Four Oaks community, residents enjoy small-town charm with a wide-open country feel, friendly neighbors, and peaceful surroundings, all just minutes from Spencer and a short drive to Bloomington’s shopping, dining, and entertainment. The Lily at Four Oaks brings together smart design, modern comfort, and the warmth of small-town living.
Monthly payment estimate
$2,591/mo
- Principal & interest
- $2,102
- Property taxes
- $352
- Homeowners insurance
- $112
- HOA dues
- $25
- Rate: Freddie Mac's 30-year fixed average for the week of October 1, 2026.
- Taxes: estimated at 1.1% of the price per year — the MLS reports no full tax bill for this home yet.
- Insurance: estimated at 0.35% of the price per year.
- An estimate, not a loan offer. Your rate and payment depend on your credit, loan program and down payment.
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Property details
Interior
- Levels
- One
- Total rooms
- 8
- Total area
- 1,947 sq ft
- Finished area above grade
- 1,947 sq ft
- Main level
- 1,947 sq ft
- Bedrooms above grade
- 4
- Full baths, main level
- 2
- Basement
- Slab
- Heating
- Natural Gas, Forced Air
- Cooling
- Central Air
- HVAC
- High Efficiency Furnace, SEER 14
- Appliances
- Disposal
- Laundry
- Electric Dryer Hookup, Main Level
- Interior features
- High Ceilings, Ceiling Fan(s), Walk-In Closet(s), Countertops-Solid Surf, Eat-in Kitchen, Kitchen Island, Near Walking Trail, Open Floorplan, Range/Oven Hook Up Elec, Split Br Floor Plan, Double Vanity, Stand Up Shower, Tub/Shower Combination, Main Level Bedroom Suite, Main Floor Laundry, Washer Hook-Up
- Windows
- Double Pane Windows
- Doors
- Insulated Door(s)
Exterior & parking
- Style
- Traditional
- Construction
- Stone, Vinyl Siding
- Roof
- Dimensional Shingles
- Garage spaces
- 2
- Attached garage
- Yes
- Garage type
- Attached
- Garage sq ft
- 575 sq ft
- Parking
- Garage Door Opener, Concrete
- Private pool
- No
- New construction
- Yes
- Builder
- Owen County Homebuilders LLC
- Energy-efficient features
- HVAC
Waterfront & lake
- Waterfront
- No
- Waterfront features
- Walk to Lake Access
Lot
- Subdivision
- Four Oaks
- Lot features
- Irregular Lot, 0-2.9999
- Lot size (acres)
- 0.32 ac
- Lot dimensions
- Irregular
- Location type
- Rural Subdivision,Near Walking Trail
- County
- Owen County
- Township
- Washington
- Cross street
- Hwy 43
- Road frontage
- Private Road
- Road surface
- Paved
- Lots
- 9
- Platted
- Yes
- Planned unit development
- No
- Directions
- From Spencer, head east on Hwy 46, turn right onto Hwy 43. Go 0.6 miles and turn left on White Oak Rd. Turn left onto Pin Oak Rd. Home is on the right.
Schools
- Elementary school
- Mccormicks Creek
- Middle school
- Owen Valley
- High school
- Owen Valley
- School district
- Spencer-Owen Community Schools
HOA & community
- HOA fee
- $300
- HOA fee frequency
- Annually
- Community amenities
- Clubhouse, Boat Dock
Taxes & terms
- Tax exemptions
- No Exemptions
- Listing terms
- Cash, Conventional, FHA, VA
- Possession
- At Closing
- Parcel number
- 60-10-26-300-370.109-027
Included in the sale
- Included in sale
- Dishwasher,Microwave,Refrigerator,Washer,Dryer-Electric,Range-Electric,Water Heater Electric
Utilities
- Water
- Public
- Sewer
- Public Sewer
- Electric provider
- South Central REMC
- Gas provider
- Community NatGas(Spencer)
- Water provider
- BBP
Income & commercial
- Gas meters
- 14
Rooms
| Room | Level | Dimensions |
|---|---|---|
| Living Room | Main | 19 × 23 ft |
| Dining Room | Main | 14 × 11 ft |
| Kitchen | Main | 14 × 12 ft |
| Bedroom 1 | Main | 14 × 16 ft |
| Bedroom 2 | Main | 11 × 14 ft |
| Bedroom 3 | Main | 11 × 11 ft |
| Bedroom 4 | Main | 11 × 14 ft |
| Laundry | Main | 8 × 11 ft |
Location
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