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390 Lovers Lane, Spencer, IN 47460

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For Sale

$199,900

2 beds • 1 baths • 838 sqft

Estimated Payment

$ 1,130 /mo. †

6.65% APR for 30 yrs.
$1,246 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • 1936
    Year built

  • $238.54
    Price per square foot

  • 1 Car Garage
    Garage Count

Explore this Property

Welcome to this charming 2-bedroom, 1-bath bungalow nestled in a peaceful town setting close to Spencer Elementary. This delightful home features a layout that blends comfort with practicality. Two inviting bedrooms offer plenty of natural light, providing a serene retreat for rest and relaxation. Step outside to discover a fenced yard. The covered front porch invites you to unwind with a morning coffee or evening book, adding to the home's charm. An attached garage provides convenient access and extra storage, while the carport offers additional parking or shelter for your vehicles. This home is within walking distance to local shops, parks, and amenities, making it a perfect spot for those seeking a community feel with a blend of classic appeal and modern conveniences. Great starter home or for those who may be looking to downsize.
MLS# 202441484

Listed By CENTURY 21 Scheetz

Property Features

  • Basement
    Partial
  • Cooling
    Central A/C
  • Exterior Description
    Aluminum Siding
  • Fencing
    Metal Fence
  • Fireplace Count
    1 Fireplace
  • Garage Count
    1 Car Garage
  • Garage Description
    Attached Garage
  • Lot Description
    Corner
  • Lot Size
    0.16 Acres
  • Roof
    Asphalt Shingle Roof
  • Sewer
    City, Public
  • Style
    Other Style

Map and Directions

Directions to 390 Lovers Lane, Spencer, IN 47460

Home seller Meet the Agent,
Tara White

Get to know the neighborhood. A local affiliated CENTURY 21 agent will help you set up tours, give advice, and negotiate with sellers.

Tara White

of CENTURY 21 Scheetz

(812) 821-1735
Learn More About Me

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $1,027
  • Property Taxes
    $103
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $1,130

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

Schools

Spencer Elementary School

Grades PK-6 Public School

Spencer, IN 47460 0.1 miles
151 e hillside ave

584 total students
18:1 Student teacher ratio

School Rating: C-

School Details

Owen Valley Middle School

Grades 7-8 Public School

Spencer, IN 47460 1.3 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 1.2 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
Mccormick's Creek Elementary School 3.3 miles Public KG-6 B+
Gosport Elementary School 6.3 miles Public PK-6 B

Mccormick's Creek Elementary School

Distance: 3.3 miles

Type Public

Grades: KG-6

B+

Gosport Elementary School

Distance: 6.3 miles

Type Public

Grades: PK-6

B

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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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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