Listing courtesy of Home Team Properties · Listing agent: Samantha Carver · Office: 844-821-6051
110 Pin Oak Road
Spencer, IN 47460Four Oaks
Original price $375,000 · Price reduced on August 6, 2026
- New construction
- 2-car garage
- Energy efficient
- Bedrooms
- 3
- Bathrooms
- 2.5
- Living area
- 1,847 sq ft
- Lot
- 0.33 ac
- Year built
- 2025
- Type
- Site-Built Home
- Listed
- November 14, 2025
- MLS #
- 202546077
Open houses
- Sun, Oct 111:00 PM – 3:00 PM
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About this home
OPEN HOUSE Sunday, October 11 1-3pm. 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 a tiled backsplash create a clean, modern look that works just as well for everyday living as it does for entertaining. From there, the space opens effortlessly into the dining area and the expansive 16x22 living room, giving the home an easy, connected flow. Tucked nearby are a convenient half bath, laundry room, and direct access to the attached two-car garage. The primary suite is thoughtfully separated, offering a quiet escape with a walk-in shower, dual-sink vanity, and generous walk-in closet. Two additional bedrooms and a full bath with a tub/shower combo provide flexibility for guests, family, or a home office. With all appliances included, settling in is simple. Beyond the front door, Four Oaks offers walking trails around a private lake, a dog park, and a community clubhouse, plus quick access to Ellettsville, Bloomington, and downtown Spencer.
Monthly payment estimate
$2,431/mo
- Principal & interest
- $1,971
- Property taxes
- $330
- Homeowners insurance
- $105
- 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
- 7
- Total area
- 1,847 sq ft
- Finished area above grade
- 1,847 sq ft
- Bedrooms above grade
- 3
- Full baths, main level
- 2
- Half baths, main level
- 1
- Basement
- Slab
- Heating
- Natural Gas, Forced Air
- Cooling
- Central Air
- HVAC
- Ceiling Fan, High Efficiency Furnace, SEER 14
- Laundry
- Electric Dryer Hookup, Main Level
- Interior features
- Ceiling Fan(s), Walk-In Closet(s), Countertops-Solid Surf, Kitchen Island, Near Walking Trail, Open Floorplan, Range/Oven Hook Up Elec, 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
- Vinyl Siding
- Roof
- Dimensional Shingles
- Garage spaces
- 2
- Attached garage
- Yes
- Garage type
- Attached
- Garage sq ft
- 667 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
- 0-2.9999
- Lot size (acres)
- 0.33 ac
- Lot dimensions
- Irregular
- Location type
- Rural Subdivision,Near Walking Trail
- County
- Owen County
- Township
- Washington
- Cross street
- Hwy 43
- Lots
- 11
- Platted
- Yes
- Planned unit development
- No
- Directions
- From Spencer, take Hwy 46 east towards Bloomington, turn right at the light onto Hwy 43. Go 0.6 miles and turn left onto White Oak Rd. Turn left onto Pin Oak Rd. Home will be 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, Sidewalks
Taxes & terms
- Tax exemptions
- No Exemptions
- Listing terms
- Conventional, FHA, VA
- Possession
- At Closing
- Parcel number
- 60-10-26-300-370.111-027
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
Rooms
| Room | Level | Dimensions |
|---|---|---|
| Living Room | Main | 16 × 22 ft |
| Dining Room | Main | 12 × 14 ft |
| Kitchen | Main | 12 × 14 ft |
| Bedroom 1 | Main | 13 × 15 ft |
| Bedroom 2 | Main | 11 × 15 ft |
| Bedroom 3 | Main | 11 × 15 ft |
| Laundry | Main | 14 × 8 ft |
Location
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