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110 Pin Oak Road

Spencer, IN 47460

ActiveListed Nov 14, 2025 · 333 days on market

Key facts

Beds
3
Baths
2 full · 1 half
Living area
1,847 sqft
Lot
0.333 acres
Year built
2025
Type
Residential · Single Family Residence
Stories
One
Garage
2 spaces
MLS #
22067653
County
Owen
Subdivision
Four Oaks
New construction
Yes

About this home

Life in the Four Oaks Subdivision comes with space to breathe, room to gather, and thoughtful design, and 110 Pin Oak Road delivers all three. Built on the Spruce floor plan, this 1,847-square-foot home offers 3 bedrooms, 2 1/2 baths, and an open layout that feels both spacious and welcoming. The heart of the home is the kitchen, where a large island, quartz countertops, solid wood cabinetry, and a tiled backsplash create a clean, modern look that works just as well for everyday living as it does for entertaining. From there, the space opens effortlessly into the dining area and the expansive 16x22 living room, giving the home an easy, connected flow. Tucked nearby are a convenient half bath, laundry room, and direct access to the attached two-car garage. The primary suite is thoughtfully separated, offering a quiet escape with a walk-in shower, dual-sink vanity, and generous walk-in closet. Two additional bedrooms and a full bath with a tub/shower combo provide flexibility for guests, family, or a home office. With all appliances included, settling in is simple. Beyond the front door, Four Oaks offers walking trails around a private lake, a dog park, and a community clubhouse, plus quick access to Ellettsville, Bloomington, and downtown Spencer.

Description provided by the listing brokerage.

Interior

Appliances
DishwasherDryerElectric Water HeaterDisposalMicroHoodElectric OvenRefrigeratorWasher
Interior features
Hi-Speed Internet AvailblPantryWalk-In Closet(s)
Laundry
Main Level
Windows
Vinyl Windows
Rooms
7
Main-level bedrooms
3
Condition
New Construction

Exterior

Patio and porch
Deck
Construction
Vinyl With Stone
Foundation
Slab
Style
Traditional
Parking and garage
AttachedConcreteGarage Door Opener

Systems

Heating
Gas
Cooling
Central Air
Water
Public
Utilities
Electricity ConnectedNatural Gas ConnectedSewer ConnectedWater Connected

Lot and HOA

HOA fee
$300 / annually
Lot features
Close to ClubhouseRural - Subdivision
HOA fee includes
ClubhouseWalking Trails
HOA amenities
ClubhouseTrail(s)

Schools

Elementary school
McCormick's Creek Elementary Sch
Middle school
Owen Valley Middle School
High school
Owen Valley Community High School
School district
Spencer-Owen Community Schools

Taxes

Tax year
2025

Estimate your monthly payment

$2,266per month, estimated
Principal and interest $1,815Property tax $300Insurance $126HOA $25
20% · $72,000
6.47%
Loan type
Loan term

Estimates only. This calculator does not give a quote. Defaults reflect Marion County / Indianapolis averages: property tax at 1.0% of price (Indiana homestead-capped at 1%), homeowners insurance at 0.42% annually. Conventional: PMI runs 0.55% of the loan annually when your down payment is below 20%, and drops automatically at 22% equity. Your real number depends on credit, taxes assessed for the parcel, escrow, condo insurance, and HOA. Rates as of May 2026 and subject to change.

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Listed at$360,000
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