Listing courtesy of Hoosier Realtors · Listing agent: Bob Magiera
3303 Westward Road
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
- 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.
Get pre-approved
Know your real budget before you tour, and make a stronger offer. We'll connect you with a local lender.
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
Similar homes
$309,900
Listed Sep 11558 Fox Run Court
Spencer, IN 47460-6522
- 3 beds
- 2.5 baths
- 2,092 sq ft
Listing courtesy of Carpenter, REALTORS-Bloomington
$315,000
4743 E Coltrane Lane
Spencer, IN 47460
- 3 beds
- 2 baths
- 1,940 sq ft
Listing courtesy of White & Co Real Estate
$315,000
Listed Sep 16507 N US 231 Highway
Spencer, IN 47460
- 3 beds
- 2 baths
- 2,078 sq ft
Listing courtesy of CK Realty Homes


