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1010 River Road, Spencer, IN 47460

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For Sale

$575,000

4 beds • 3 baths • 1 half baths • 4,455 sqft

Estimated Payment

$ 3,524 /mo. †

6.67% APR for 30 yrs.
$6,775 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $129.07
    Price per square foot

  • 21-30 Years Old
    Age

  • Basement
    Rooms

Explore this Property

Selling Tract B8 of Parcel #60-10-28-104-050.000-027. The property is in Spencer, Indiana in the county of Owen and the Township of Washington. Please see Survey for Tract B8 and its legal description along with the description of two easements on the property attached. Custom 4,455 finished sq ft home plus finished side-walkout basement sitting on 5 acres. Kitchen has custom built cabinets, island and built in desk. Ceramic tile floors in foyer, master bath, Jack-n-Jill bathroom and laundry room. Master bath with whirlpool bathtub, private toilet, linen closet and large walk-in closet. Gas fireplace in living room. Living room and master bedroom walk out to newly constructed back deck. Large patio areas in the back of house and at side entry basement door. Main floor laundry room has washer & dryer, storage cabinets and countertops, built-in ironing board. Basement has a kitchenette, washer and dryer and a lot of storage. Property comes with a 5-stall horse barn with tack room, storage room, horse arena, indoor/outdoor dog kennel with built in storage garage for lawncare equipment. Roof was replaced summer of 2023.
MLS# 202417906

Courtesy Of Mentor Listing Realty of Lafayette, Inc.

(866) 269-1006

Property Features

  • Age
    21-30 Years Old
  • Appliances
    Dryer, Dryer - Gas
  • Architecture Style
    Ranch
  • Exterior Type
    Brick
  • Fireplace
    Fireplace
  • Heating System
    Fireplace, Forced Air
  • Lot Size
    4.83 Acres
  • Rooms
    Basement, Dining Room, Great Room, Kitchen, Living Room

Map and Directions

Directions to 1010 River Road, Spencer, IN 47460

Home seller CENTURY 21 Scheetz

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Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $2,959
  • Property Taxes
    $564
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $3,524

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Mccormick's Creek Elementary School

Grades KG-6 Public School

Spencer, IN 47460 2.3 miles
1601 flatwoods rd

348 total students
12:1 Student teacher ratio

School Rating: B+

School Details

Owen Valley Middle School

Grades 7-8 Public School

Spencer, IN 47460 2.2 miles
626 w state highway 46

352 total students
11:1 Student teacher ratio

School Rating: B-

School Details

Owen Valley Community High School

Grades 9-12 Public School

Spencer, IN 47460 2.1 miles
622 w state highway 46

664 total students
13:1 Student teacher ratio

School Rating: C-

School Details
Other Nearby Schools Distance Type Grades School Rating
Spencer Elementary School 1.4 miles Public PK-6 C-

Spencer Elementary School

Distance: 1.4 miles

Type Public

Grades: PK-6

C-

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Spencer, IN 47460

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Spencer, IN 47460

This community’s employment is highest in the production occupations and sales industries. The area’s overall household expenses are below the national average.

87° July
Hottest Average Month
19° January
Coldest Average Month
4,682 Total Households in Area
1.1% Increase in population since the year 2010
24.5%
of households
have children
30 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Spencer, IN 47460

Spencer, IN 47460 has a population of 11,532 people in 4,682 households with a median age of 46.5 years old.

1.1%
Increase in population
since the year 2010
Population is Trending up
4,657
Total households as of 2010
2.1%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 46.5 years old. The smallest percentage group is 55-64 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 93%
Hispanic 2%
Other <1%
Black <1%
Asian <1%
Native American <1%
The most prevalent ethnicity is White at 93%, followed by Hispanic at 2%, Other at <1%, and Asian at <1%.

Economics
for Spencer, IN 47460

77 /sq mi
Population Density
$57,009 /yr
Median Household Income
$264,286
Median Sales Price
30 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 23.75% of the households.

Transportation to Work

  • Drive 92%
  • Work from Home 5%
  • Walk or Bike 2%
  • Public Transit 0%

Occupancy by Type

Owned 3,656 71%
Rented 1,027 20%
Vacant 459 9%

White vs Blue Collar Jobs







White Collar 52%
Blue Collar 48%

Family & Education Facts
for Spencer, IN 47460

46.5 Median Age

Average Household Size

2.4
persons per
household

50.7%

Married Households

Community Population By Education

High School Graduate 42%
Some College 21%
Some High School 13%
Bachelors Degree 11%
Associates Degree 8%
Graduate Degree 4%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 42.13% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
24.5% of households have children

Weather
for Spencer, IN 47460

The weather for this area ranges from a high of 87° F in July to a low of 19° F in January

87° July
Hottest Average Month
19° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
19°
37°
Feb
22°
42°
Mar
31°
52°
Apr
41°
64°
May
51°
74°
Jun
60°
83°
Jul
64°
87°
Aug
62°
85°
Sep
54°
79°
Oct
43°
68°
Nov
33°
53°
Dec
24°
41°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Lafayette Regional Association of REALTORS&#174;. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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