Listing courtesy of Keith Realty & Auction Group · Listing agent: Tilden Keith · Office: 812-714-8250
186 Ryan Court
Spencer, IN 47460White Oak(s)
Original price $334,900 · Price reduced on September 15, 2026
- 2-car garage
- Bedrooms
- 3
- Bathrooms
- 2.5
- Living area
- 2,464 sq ft
- Lot
- 0.84 ac
- Year built
- 1992
- Type
- Site-Built Home
- Listed
- August 7, 2026
- MLS #
- 202632147
About this home
Welcome to this spacious 3 Bedroom, 2 1/2 Bath home with 2,464-square-foot residence situated on a 0.84-acre lot in the desirable White Oaks Estates neighborhood of Spencer. Designed with both comfort and functionality in mind, this home offers a main-level primary bedroom with its own private bath, along with a convenient half bath for guests and a main-level laundry room. Upstairs, you'll find two additional bedrooms and a full bath, providing flexible space for a variety of living arrangements. The home's generous living areas offer plenty of room for everyday living, entertaining, or relaxing. Outside, enjoy the large yard with space for outdoor activities, gardening, or simply unwinding. The attached 2-car garage provides ample parking and storage, while the 12' x 16' storage shed offers additional room for tools, lawn equipment, or hobbies. Conveniently located just minutes from Spencer elementary, Owen Valley middle/high school, YMCA, shopping, dining, and local amenities, this property combines space, practicality, and a desirable location. Don't miss the opportunity to make this inviting Spencer home your own!
Monthly payment estimate
$2,098/mo
- Principal & interest
- $1,806
- Property taxes
- $196
- Homeowners insurance
- $96
- Rate: Freddie Mac's 30-year fixed average for the week of October 1, 2026.
- Taxes: the seller's 2025 bill as reported to the MLS. Yours may differ once your own deductions apply.
- 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
- Two
- Total rooms
- 7
- Total area
- 2,464 sq ft
- Finished area above grade
- 2,464 sq ft
- Bedrooms above grade
- 3
- Full baths, main level
- 1
- Full baths, upper level
- 1
- Half baths, main level
- 1
- Basement
- Crawl Space
- Heating
- Natural Gas, Forced Air
- Cooling
- Central Air
- Laundry
- Main Level
Exterior & parking
- Construction
- Vinyl Siding
- Garage spaces
- 2
- Attached garage
- Yes
- Garage type
- Attached
- Garage sq ft
- 576 sq ft
- Private pool
- No
- Other structures
- Shed(s)
- New construction
- No
Waterfront & lake
- Waterfront
- No
Lot
- Subdivision
- White Oak(s)
- Lot features
- Irregular Lot, Level, Sloped, 0-2.9999
- Lot size (acres)
- 0.84 ac
- Lot dimensions
- IRREGULAR
- County
- Owen County
- Township
- Washington
- Platted
- Yes
- Planned unit development
- No
- Directions
- GPS Friendly
Schools
- Elementary school
- Spencer
- Middle school
- Owen Valley
- High school
- Owen Valley
- School district
- Spencer-Owen Community Schools
Taxes & terms
- Annual taxes
- $2,347
- Tax year
- 2025
- Possession
- Negotiable
- Parcel number
- 60-10-19-300-400.120-028
Included in the sale
- Included in sale
- Refrigerator,Washer,Dryer-Electric,Range-Electric,Water Heater Gas
Utilities
- Water
- City
- Sewer
- Public Sewer
Location
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