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186 Ryan Court

Spencer, IN 47460

ActiveListed Aug 7, 2026 · 41 days on market

Key facts

Beds
3
Baths
2 full · 1 half
Living area
2,464 sqft
Lot
0.84 acres
Year built
1992
Type
Residential · Single Family Residence
Stories
Two
Garage
2 spaces
MLS #
22118916
County
Owen
Subdivision
White Oaks

About this home

Welcome to this spacious 3 Bedroom, 2 1/2 bath home with 2,464-square-foot residence situated on a 0.84-acre lot in the desirable White Oaks Estates neighborhood of Spencer. Designed with both comfort and functionality in mind, this home offers a main-level primary bedroom with its own private bath, along with a convenient half bath for guests and a main-level laundry room. Upstairs, you'll find two additional bedrooms and a full bath, providing flexible space for a variety of living arrangements. The home's generous living areas offer plenty of room for everyday living, entertaining, or relaxing. Outside, enjoy the large yard with space for outdoor activities, gardening, or simply unwinding. The attached 2-car garage provides ample parking and storage, while the 12' x 16' storage shed offers additional room for tools, lawn equipment, or hobbies. Conveniently located just minutes from Spencer elementary, Owen Valley middle/high school, YMCA, shopping, dining, and local amenities, this property combines space, practicality, and a desirable location. Don't miss the opportunity to make this inviting Spencer home your own!

Description provided by the listing brokerage.

Interior

Appliances
DryerGas Water HeaterElectric OvenWasher
Interior features
Walk-In Closet(s)
Rooms
7
Main-level bedrooms
1

Exterior

Construction
Vinyl Siding
Foundation
Crawl Space
Style
Traditional
Parking and garage
Attached

Systems

Heating
Forced AirNatural Gas
Cooling
Central Air
Water
Public

Schools

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

Taxes

Estimated annual tax
$2,348 / yearTwice the semi-annual installment the listing reports.
Tax year
2025

Estimate your monthly payment

$1,974per month, estimated
Principal and interest $1,663Property tax $196Insurance $115
20% · $65,980
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$329,900
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