Listing courtesy of Raeco Realty · Listing agent: Ashley Milakis Spencer
296 W 400 S
Cutler, IN 46920
- 5.4 acres
- 1-car garage
- Fireplace
- Basement
- Bedrooms
- 5
- Bathrooms
- 3.5
- Living area
- 4,998 sq ft
- Lot
- 5.36 ac
- Year built
- 1996
- Type
- Site-Built Home
- Listed
- September 25, 2026
- MLS #
- 202639870
About this home
Set on 5.36 private, wooded acres, this custom all-brick ranch combines generous living space with views from nearly every gathering area. Real hardwood floors lead through the formal dining room to a spacious living room, where a wall of windows frames the woods. A separate family room offers a fireplace and custom wood details, while the kitchen features Zinn cabinetry, updated quartz countertops, and a dining nook with a bay window. The light-filled sunroom features soaring vaulted ceilings, updated flooring, and walls of windows overlooking the woods. Four bedrooms are on the main floor, including a primary suite with a tray ceiling and walk-in closet. Its spacious bath features a soaking tub, vaulted ceilings, multiple windows, and private deck access. Two additional bedrooms share a Jack-and-Jill bath. The fully finished basement expands your options with a bar area, fifth bedroom full bath, and storage. Outside, enjoy the deck and paver firepit area, along with the convenience of an oversized two-car garage.
Monthly payment estimate
$4,729/mo
- Principal & interest
- $4,269
- Property taxes
- $232
- Homeowners insurance
- $228
- Rate: Freddie Mac's 30-year fixed average for the week of October 1, 2026.
- Taxes: the seller's 2026 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
- One
- Total rooms
- 16
- Total area
- 4,998 sq ft
- Finished area above grade
- 3,334 sq ft
- Finished area below grade
- 1,664 sq ft
- Below grade total
- 1,664 sq ft
- Bedrooms above grade
- 4
- Bedrooms below grade
- 1
- Full baths, main level
- 2
- Full baths, below grade
- 1
- Half baths, main level
- 1
- Basement
- Sump Pump, Crawl Space, Partial
- Flooring
- Hardwood, Carpet, Tile
- Heating
- Natural Gas, Conventional, Forced Air
- Cooling
- Central Air
- HVAC
- Ceiling Fan
- Fireplaces
- 1
- Fireplace features
- Fire Pit, Family Room
- Appliances
- Disposal
- Laundry
- Electric Dryer Hookup, Main Level
- Interior features
- 1st Bdrm En Suite, High Ceilings, Ceiling-Tray, Ceiling Fan(s), Walk-In Closet(s), Countertops-Solid Surf, Detector-Smoke, Eat-in Kitchen, Entrance Foyer, Garden Tub, Kitchen Island, Natural Woodwork, Open Floorplan, Range/Oven Hook Up Elec, Split Br Floor Plan, Utility Sink, Stand Up Shower, Tub and Separate Shower, Tub/Shower Combination, Main Level Bedroom Suite, Formal Dining Room, Great Room, Main Floor Laundry
Exterior & parking
- Style
- Traditional
- Construction
- Brick
- Roof
- Shingle
- Foundation
- Poured Concrete
- Garage spaces
- 1
- Attached garage
- Yes
- Garage type
- Attached
- Garage sq ft
- 858 sq ft
- Parking
- Garage Door Opener, Asphalt, Concrete
- Private pool
- No
- New construction
- No
Waterfront & lake
- Waterfront
- No
Lot
- Lot features
- Landscaped, Heavy Woods, 3-5.9999
- Lot size (acres)
- 5.36 ac
- Lot dimensions
- IRR
- Location type
- Rural
- County
- Carroll County
- Township
- Democrat
- Platted
- Yes
- Planned unit development
- No
- Directions
- East on SR 26, Left on S SR 75, Left on 400 S, House on the Left
Schools
- Elementary school
- Carroll
- Middle school
- Carroll
- High school
- Carroll
- School district
- Carroll Cons. School Corp.
Taxes & terms
- Annual taxes
- $2,782
- Tax year
- 2026
- Listing terms
- Cash, Conventional, FHA, USDA Loan, VA
- Possession
- DOC
- Parcel number
- 08-10-33-000-019.000-008
Included in the sale
- Included in sale
- Dishwasher,Microwave,Refrigerator,Window Treatments,Range-Electric,Sump Pump,Water Heater Gas,Water Softener-Owned
Utilities
- Water
- Well
- Well
- Private
- Sewer
- Septic Tank
- Utilities
- Cable Available
Income & commercial
- Gas meters
- 13