Listing courtesy of Raeco Realty · Listing agent: Ashley Milakis Spencer

Virtual tour
ActiveSite-Built Home

296 W 400 S

$779,900

$233.92 / sq ft

Est. $4,729/mo

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
Your loan

  • 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.
Change taxes, insurance and more in the full calculator

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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

Location

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$779,900

5 beds · 3.5 baths