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2131 N Spencer Avenue

Indianapolis, IN 46218

ActiveListed Sep 11, 2026 · 1 day on market

Key facts

Beds
3
Baths
2 full
Living area
1,272 sqft
Lot
0.12 acres
Year built
1971
Type
Residential · Single Family Residence
Stories
One
MLS #
22090595
County
Marion
Subdivision
Emerson Gardens

About this home

Nice 3 bedroom 2 bathroom home. Nice original hardwood floors, separate laundry room. Decorative back splash with nice flooring complimenting the kitchen. First time home buyers down payment assistance available, investors and it's move in ready.

Description provided by the listing brokerage.

Interior

Appliances
DishwasherElectric Water HeaterDisposalMicrowaveElectric OvenRefrigerator
Interior features
Entrance Foyer
Kitchen
Kitchen Some Updates
Flooring
Hardwood
Laundry
Main Level
Rooms
7
Main-level bedrooms
3

Exterior

Exterior features
Storage Shed
Patio and porch
Covered
Construction
Vinyl Siding
Foundation
Poured Concrete
Style
Bungalow
Parking and garage
Gravel

Systems

Heating
Forced Air
Cooling
Central Air
Water
Public
Utilities
Electricity Connected

Lot and HOA

Lot features
Not In SubdivisionSidewalks

Schools

School district
Indianapolis Public Schools

Taxes

Estimated annual tax
$2,078 / yearTwice the semi-annual installment the listing reports.
Tax year
2025

Estimate your monthly payment

$906per month, estimated
Principal and interest $685Property tax $173Insurance $48
20% · $27,180
6.47%
Loan type
Loan term

Estimates only. This calculator does not give a quote. Defaults reflect Marion County / Indianapolis averages: property tax from this home's actual county bill, 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$135,900
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