1446 W State Highway 46, Spencer, IN, 47460
About This Home
With over 3,000 square feet of living space, this beautifully maintained 5-bedroom, 3 full bath home offers the space and versatility you've been looking for. Inside, you'll find two cozy fireplaces, a functional layout perfect for entertaining or relaxing, and generously sized bedrooms. The kitchen and living areas flow effortlessly, with great natural light and room to spread out. Step outside to your private backyard oasis featuring an in-ground pool, a fully fenced yard, and plenty of room to lounge or play. The 2-car attached garage provides extra storage and convenience. Whether you're hosting guests or enjoying a quiet evening, this home has the space and charm to suit your lifestyle. Don't miss your chance to make this incredible property your own-schedule a tour today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1940
Materials
- Foundation: Block,Concrete Perimeter
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cape Cod
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Gas Cooktop,Dishwasher,Dryer,Gas Water Heater,Microwave,Gas Oven,Refrigerator,Washer
- Laundry features: Connections All,Main Level
Basement
- Has basement: Yes
- Basement: Unfinished
Bedroom2
- Level: Main
- Area: 154
- Dimensions: 11x14
Bedroom3
- Level: Main
- Area: 210
- Dimensions: 17.5x12
Bedroom4
- Level: Main
- Area: 322.5
- Dimensions: 21.5x15
Bedroom5
- Level: Upper
- Area: 140
- Dimensions: 14x10
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
- Main level bathrooms: 3
- Main level bedrooms: 4
Bonus Room
- Level: Upper
- Area: 90
- Dimensions: 15x6
Dining Room
- Level: Main
- Area: 188.5
- Dimensions: 14.5x13
Features
- Attic Access,Built-in Features,Ceiling Fan(s),Pantry,Walk-In Closet(s)
- Number of fireplaces: 2
- Fireplace features: Double Sided,Dining Room,Electric,Gas Log,Kitchen,Living Room,Wood Burning
- Fireplace: Yes
- Attic: Access Only
- Finished area below ground: 0
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 4,217
- Total interior livable area: 4,217 sqft
Kitchen
- Level: Main
- Area: 196
- Dimensions: 14x14
Laundry
- Level: Main
- Area: 42
- Dimensions: 7x6
Living Room
- Level: Main
- Area: 468
- Dimensions: 39x12
Master Bedroom
- Level: Main
- Area: 252
- Dimensions: 18x14
Property
Details
- Parcel number: 601019200280000027
- Horse amenities: None
Features
- Levels: One and One Half
- Stories: 1
- Pool features: Fenced,In Ground,Outdoor Pool
- Patio & porch: Patio
- Fencing: Fenced,Chain Link,Full
Lot
- Lot size: 0.58 Acres
- Features: Mature Trees,See Remarks
Parking
- Total spaces: 2
- Parking features: Attached,Carport,Asphalt,Gravel,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Carport: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Strong Wind
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Heat Wave
- Ice Storm
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters Across Indiana Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,946 | $23,352 |
| Home Insurance * | $323 | $3,876 |
| Property Taxes | $163 | $1,956 |
| Electricity | $386 | $4,638 |
| Total | $2,818 | $33,816 |
Income You'd Need if You Spent...
Indiana FAIR Plan Programs
Indiana Basic Property Insurance Underwriting Association
WildfireHailWindHow Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-21 | Price change | $385,000 |
| 2026-01-15 | Listed for sale | $390,000 |
| 2025-11-25 | Listing removed | $399,900 |
| 2025-08-15 | Price change | $399,900 |
| 2025-08-03 | Price change | $405,000 |
| 2025-07-04 | Listed for sale | $410,000 |
| 2010-10-04 | Sold | $22,500 |
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