Listing courtesy of Hoosier Realtors · Listing agent: Bob Magiera

Virtual tour
ActiveSite-Built Home

3303 Westward Road

$309,000

$220.71 / sq ft

Est. $1,880/mo

Spencer, IN 47460-7505Concord Villas

  • 2-car garage
Bedrooms
3
Bathrooms
2
Living area
1,400 sq ft
Lot
0.96 ac
Year built
1996
Type
Site-Built Home
Listed
October 1, 2026
MLS #
202640783

About this home

Nearly an acre in Concord Villas with space inside and out! 5.3% VA Assumable loan on this move-in-ready 3-bedroom, 2-bath ranch at 3303 Westward Rd which offers approximately 1,400 sq. ft. of single-level living with a desirable split-bedroom floor plan and a semi-open layout connecting the kitchen, dining and living areas. The spacious eat-in kitchen features abundant oak cabinetry, generous counter space, a center island and stainless-steel appliances, while the 20x13 living room provides plenty of room to gather and offers direct access to the rear deck. The private primary suite creates a comfortable retreat, with two additional bedrooms offering flexibility for family, guests or a home office. Outdoor living is a major highlight. Enjoy the covered front porch, rear deck, expansive paver patio, built-in firepit and a large, level backyard with plenty of room for recreation, gardening, pets and entertaining. A 12x16 storage shed provides valuable space for lawn equipment and outdoor gear, while the oversized attached 2-car garage adds even more storage and convenience. The home sits back from the road with mature landscaping and a large front yard, giving the property a spacious feel that is increasingly hard to find. Concord Villas has recorded covenants and restrictions but no HOA fees. Located on the east side of Spencer, the property offers convenient access to State Road 46, providing an easy route into Spencer or east toward Bloomington. Outdoor recreation is close by at McCormick's Creek State Park, Indiana's first state park, featuring a limestone canyon, waterfalls, hiking trails, Canyon Inn and additional recreational amenities. Spencer offers everyday shopping and services, while Bloomington expands the options with Indiana University, dining, entertainment, shopping and major regional employers including Indiana University, Cook Group and IU Health. Boston Scientific also maintains operations in Spencer, making this location convenient for several of the area's major employment centers.

Monthly payment estimate

$1,880/mo

Principal & interest
$1,691
Property taxes
$99
Homeowners insurance
$90
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
6
Total area
1,400 sq ft
Finished area above grade
1,400 sq ft
Main level
1,400 sq ft
Bedrooms above grade
3
Full baths, main level
2
Basement
Crawl Space
Flooring
Hardwood, Carpet
Heating
Natural Gas, Forced Air
Cooling
Central Air
Appliances
Disposal
Laundry
Electric Dryer Hookup, Main Level
Interior features
Walk-In Closet(s), Countertops-Laminate, Countertops-Solid Surf, Eat-in Kitchen, Kitchen Island, Open Floorplan, Main Level Bedroom Suite, Main Floor Laundry

Exterior & parking

Style
Traditional
Construction
Vinyl Siding
Roof
Asphalt
Foundation
Block
Garage spaces
2
Attached garage
Yes
Garage type
Attached
Garage sq ft
480 sq ft
Parking
Asphalt
Private pool
No
Fencing
Full, Chain Link, Pet Fence
New construction
No

Waterfront & lake

Waterfront
No

Lot

Subdivision
Concord Villas
Lot features
Cul-De-Sac, Irregular Lot, Rolling Lot, 0-2.9999
Lot size (acres)
0.96 ac
Lot dimensions
168.25x299.53x135.65x264.41
Location type
Rural Subdivision
County
Owen County
Township
Washington
Lots
19
Platted
Yes
Planned unit development
No
Directions
Directions on both Google and Apple maps will get you to the property.

Schools

Elementary school
Mccormicks Creek
Middle school
Owen Valley
High school
Owen Valley
School district
Spencer-Owen Community Schools

HOA & community

Association restrictions
Yes

Taxes & terms

Annual taxes
$1,184
Tax year
2026
Assessed value
$208,000
Tax exemptions
Homestead, Mortgage
Listing terms
Assumable, Cash, Conventional, FHA, USDA Loan, VA
Possession
Negotiable
Parcel number
60-10-23-400-190.190-027

Included in the sale

Included in sale
Dishwasher,Microwave,Refrigerator,Washer,Cooktop-Gas,Dryer-Electric,Oven-Gas,Play/Swing Set,Water Heater Gas

Utilities

Water
City
Sewer
Septic Tank

Location

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