Ashley Tobolski

106 Pin Oak Road

Spencer, IN
$ 384,000 Beds 4 Baths 2 Sq 1,947 Virtual Tour
Monthly Estimate* How much can I afford?

Welcome to The Lily, a thoughtfully designed 4-bedroom, 2-bath new construction home in the growing Four Oaks subdivision of Spencer, Indiana. The open-concept layout paired with a split-bedroom floor plan offers the perfect balance of connection and privacy. The kitchen is designed for both everyday living and entertaining, featuring a large island, solid wood cabinetry, stainless steel appliances, and durable quartz countertops. Sliding doors open to a covered porch, ideal for morning coffee, outdoor meals, or unwinding at sunset. The primary suite serves as a private retreat with a walk-in closet, dual-sink vanity, and a tiled walk-in shower. Throughout the home, luxury vinyl plank flooring adds style and easy maintenance, while the spacious 8x11 laundry/mudroom and 2-car attached garage add everyday convenience. A washer and dryer are included, making move-in effortless. Set in the Four Oaks community, residents enjoy small-town charm with a wide-open country feel, friendly neighbors, and peaceful surroundings, all just minutes from Spencer and a short drive to Bloomingtons shopping, dining, and entertainment. The Lily at Four Oaks brings together smart design, modern comfort, and the warmth of small-town living.

Single Family

  • Price
  • $ 384,000
  • City
  • Spencer
  • Bedrooms
  • 4
  • Full Bathrooms
  • 2
  • County
  • OWEN
  • Half Bathrooms
  • 0
  • Area
  • Washington
  • Lot Size
  • 0.317 Acres
  • Zip
  • 47460
  • Sqr Footage
  • 1,947
  • Year Built
  • 2025
  • Style
  • Traditional
  • MLS#
  • 202542048
Listed By: Samantha Carver with Home Team Properties; Office: 844-821-6051
Data Source: Indiana Regional MLS (IRMLS)

Features

General

Sewer Public
Heating Gas,Forced Air
Kitchen Level Main
Cooling Central Air
Laundry Y/N Main
Fireplaces No
Garage Attached
Amenities Ceiling-9+,Ceiling Fan(s),Closet(s) Walk-in,Countertops-Solid Surf,Disposal,Dryer Hook Up Electric,Eat-In Kitchen,Garage Door Opener,Kitchen Island,Near Walking Trail,Open Floor Plan,Patio Covered,Po
Status Active
Full Baths 2
Bathrooms 2
Year Built 2025
New Construction Spec
Subdivision Four Oaks
Style One Story
Township Washington
Class RESIDENTIAL
Type Site-Built Home
Age 1
Lot Number 9
FIPS Code 18119
Associated Document Count 7
REO No
Status Active
Auction Y/N No
Common Amenities Clubhouse,Dock
Dining Room Level Main
Area Owen County
Location Rural Subdivision,Near Walking Trail
High School Owen Valley
City Spencer
School District Spencer-Owen Community Schools
Assoc. Dues Frequency Annually
HOA Fees $ 300
Energy Efficient HVAC
Architectural Style Traditional
Total Sq Ft 1947
Elementary School Mccormicks Creek
Middle School Owen Valley
Legal Description Four Oaks SD Ph 1 Lot 9 .317A
Virtual Tour https://www.youtube.com/watch?v=U_2DR5i2oYA
Agent First Name Samantha
Agent Last Name Carver
DOM 328
Tax Year Not Assessed
PROPOSED FINANCING Cash,Conventional,FHA,VA

Interior Features

Basement Slab
Flooring Other
HVAC High Efficiency Furnace,SEER 14
Kitchen Length 14
Laundry Room Width 11
Laundry Room Length 8
Kitchen Width 12
Beds 4
Total Rooms 8
Dining Room Length 14
Dining Room Width 11
Fireplace None
Living Room Width 23
Living Room Length 19
Full Baths Main 2
Total Finished SqFt 1947
Basement Y/N No
Above Grade Bedrooms 4
1st Bedroom Level Main
1st Bedroom Width 16
2nd Bedroom Length 11
2nd Bedroom Level Main
2nd Bedroom Width 14
3rd Bedroom Length 11
3rd Bedroom Level Main
3rd Bedroom Width 11
4th Bedroom Length 11
4th Bedroom Level Main
4th Bedroom Width 14
Above Grade Finished SqFt 1947
Living/Great Rm Level Main
Main Level SqFt 1947

Exterior Features

Road Surface Paved
Road Access Private
Exterior Stone,Vinyl
Driveway Concrete
Pool No
Garage Length 25
Garage Width 23
Lot Size Area 13809
Lot Dimensions Irregular
Lot Description Irregular,0-2.9999
Fence None
Garage SqFt 575
Water Features Walk to Lake Access
Approx. Lot Size Acres 0.317
Energy Efficient Doors/Windows Double Pane Windows,Insulated Doors
Garage Capacity 2
Off Street Parking Y/N Yes
ROOF MATERIAL Dimensional Shingles
Waterfront Y/N No
Garage Y/N Yes

Amenities

  • Foreclosure
  • Views
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the South Bend, IN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% 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. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Mccormicks Creek Elementary School
Middle School Owen Valley Middle School
High School Owen Valley High School

Price History

10/16/2025 Listed $400,000
7/14/2026 3% - $389,000
8/7/2026 2% - $384,000

Property vs Zip Code Average in 47460

Price
AVG $440K
$380K
Year Built
AVG 1982
2025
Visits
AVG 74
383
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

106 Pin Oak Road Spencer, IN is a Single Family Home for sale at $384000 with 1947 sqft and a lot size of 0.317 Acres Acre(s). 106 Pin Oak Road Spencer has 4 bedrooms, 2 baths and was built in 2025. The property's zip code is 47460 which is in Spencer, IN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% 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. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided 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.

Ashley Tobolski

Ashley Tobolski

REALTOR®, Attorney

219-929-8862

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