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106 Pin Oak Road

Spencer, IN 47460

ActiveListed Oct 16, 2025 · 363 days on market

Key facts

Beds
4
Baths
2 full
Living area
1,947 sqft
Lot
0.317 acres
Year built
2025
Type
Residential · Single Family Residence
Stories
One
Garage
2 spaces
MLS #
22068611
County
Owen
Subdivision
Four Oaks
New construction
Yes

About this home

Welcome to The Lily, a thoughtfully designed 4-bedroom, 2-bath new construction home in the growing Four Oaks subdivision of Spencer, Indiana. The open-concept layout paired with a split-bedroom floor plan offers the perfect balance of connection and privacy. The kitchen is designed for both everyday living and entertaining, featuring a large island, solid wood cabinetry, stainless steel appliances, and durable quartz countertops. Sliding doors open to a covered porch, ideal for morning coffee, outdoor meals, or unwinding at sunset. The primary suite serves as a private retreat with a walk-in closet, dual-sink vanity, and a tiled walk-in shower. Throughout the home, luxury vinyl plank flooring adds style and easy maintenance, while the spacious 8x11 laundry/mudroom and 2-car attached garage add everyday convenience. A washer and dryer are included, making move-in effortless. Set in the Four Oaks community, residents enjoy small-town charm with a wide-open country feel, friendly neighbors, and peaceful surroundings, all just minutes from Spencer and a short drive to Bloomington's shopping, dining, and entertainment. The Lily at Four Oaks brings together smart design, modern comfort, and the warmth of small-town living.

Description provided by the listing brokerage.

Interior

Appliances
DishwasherDryerElectric Water HeaterDisposalMicrowaveElectric OvenRefrigeratorWasher
Interior features
Bath Sinks Double MainKitchen IslandHi-Speed Internet AvailblEat-in KitchenWalk-In Closet(s)
Other rooms and areas
Laundry in Unit
Laundry
Main Level
Windows
Vinyl Windows
Rooms
8
Main-level bedrooms
4
Condition
New Construction

Exterior

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

Systems

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

Lot and HOA

HOA fee
$300 / annually
Lot features
Close to ClubhouseIrregular LotRural - SubdivisionSidewalks

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

$2,415per month, estimated
Principal and interest $1,936Property tax $320Insurance $134HOA $25
20% · $76,800
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$384,000
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