712 White Oak Rd, Spencer, IN, 47460
About This Home
OPEN HOUSE, Sunday April 12, 1-3 pm. Welcome to The Alder at 712 White Oak Road in the Four Oaks community, a thoughtfully designed 3-bedroom, 2-bath home filled with functional spaces and stylish finishes. Inside, you'll find a versatile office space and a bright 13x13 sunroom, perfect for working from home, hobbies, or creative pursuits. A generous 12x10 laundry/mudroom with built-in storage and counter space connects conveniently to the 2-car attached garage, adding everyday ease. The open-concept kitchen anchors the home with stainless steel appliances, a center island, solid wood cabinetry, and sleek quartz countertops, making it ideal for both daily living and entertaining. The primary suite offers a peaceful retreat with a dual-sink vanity, tiled walk-in shower, and a spacious 15x7 walk-in closet with ample shelving. Step out to the inviting front porch to enjoy quiet mornings or evening sunsets while taking in the charm of this growing neighborhood. Residents of Four Oaks enjoy community amenities including a private dog park, a walking trail with lake access, and a clubhouse. Just minutes from I-69, this location provides easy access to Bloomington, Ellettsville, and Martinsville, making commuting or quick trips into town simple and convenient.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: New Construction
- New construction: Yes
- Year built: 2025
Materials
- Foundation: Slab
- Construction materials: Vinyl With Stone
Other
- Builder name: Owen Cty Homebuilder
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Residential,Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Electric Water Heater,Disposal,Microwave,Electric Oven,Refrigerator,Washer
- Laundry features: Main Level
Bedroom2
- Level: Main
- Area: 180
- Dimensions: 12x15
Bedroom3
- Level: Main
- Area: 165
- Dimensions: 11x15
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 3
Dining Room
- Level: Main
- Area: 176
- Dimensions: 11x16
Features
- Double Vanity,Entrance Foyer,High Speed Internet,Walk-In Closet(s)
Foyer
- Level: Main
- Area: 70
- Dimensions: 14x5
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 2,127
- Total interior livable area: 2,127 sqft
Kitchen
- Level: Main
- Area: 234
- Dimensions: 18x13
Laundry
- Level: Main
- Area: 132
- Dimensions: 11x12
Living Room
- Level: Main
- Area: 320
- Dimensions: 20x16
Master Bedroom
- Level: Main
- Area: 195
- Dimensions: 13x15
Office
- Level: Main
- Area: 140
- Dimensions: 14x10
Sun Room
- Level: Main
- Area: 169
- Dimensions: 13x13
Property
Details
- Parcel number: 601026300370131027
- Horse amenities: None
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered,Deck
Lot
- Lot size: 0.37 Acres
- Features: Close to Clubhouse,Rural - Subdivision,Sidewalks
Parking
- Total spaces: 2
- Parking features: Attached,Concrete,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Strong Wind
- Inland Flooding
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Heat Wave
- Ice Storm
- Landslide
- 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 | $2,017 | $24,204 |
| Home Insurance * | $335 | $4,020 |
| Property Taxes | $212 | $2,544 |
| Electricity | $194 | $2,339 |
| Total | $2,758 | $33,096 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2025-11-04 | Listed for sale | $399,000 |
View on Zillow