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3303 Westward Road

Spencer, IN 47460

ActiveListed Oct 1, 2026 · 3 days on market

Key facts

Beds
3
Baths
2 full
Living area
1,400 sqft
Lot
0.96 acres
Year built
1996
Type
Residential · Single Family Residence
Stories
One
Garage
2 spaces
MLS #
22129367
County
Owen
Subdivision
Concord Villas

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 seve

Description provided by the listing brokerage.

Interior

Appliances
DishwasherDryerDisposalGas Water HeaterMicrowaveGas OvenRefrigeratorWasher
Interior features
Kitchen IslandPaddle FanHi-Speed Internet AvailblEat-in KitchenWalk-In Closet(s)
Kitchen
Kitchen Some Updates
Flooring
Hardwood
Laundry
Main Level
Windows
Vinyl Windows
Rooms
6
Main-level bedrooms
3

Exterior

Exterior features
Storage Shed
Patio and porch
CoveredDeckPatio
Construction
Vinyl Siding
Foundation
Block
Style
Traditional
Parking and garage
Attached
Fencing
Chain LinkFull

Systems

Heating
Forced AirNatural Gas
Cooling
Central Air
Water
Public

Lot and HOA

Lot features
Irregular Lot

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

Estimated annual tax
$1,184 / yearTwice the semi-annual installment the listing reports.
Tax year
2025

Estimate your monthly payment

$1,764per month, estimated
Principal and interest $1,558Property tax $99Insurance $108
20% · $61,800
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$309,000
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