Nearly an acre in Concord Villas with space inside and out! 5.3% VA Assumable loan on this move-in-ready 3-bedroom, 2-bath ranch at 3303 Westward Rd which offers approximately 1,400 sq. ft. of single-level living with a desirable split-bedroom floor plan and a semi-open layout connecting the kitchen, dining and living areas. The spacious eat-in kitchen features abundant oak cabinetry, generous counter space, a center island and stainless-steel appliances, while the 20x13 living room provides plenty of room to gather and offers direct access to the rear deck. The private primary suite creates a comfortable retreat, with two additional bedrooms offering flexibility for family, guests or a home office. Outdoor living is a major highlight. Enjoy the covered front porch, rear deck, expansive paver patio, built-in firepit and a large, level backyard with plenty of room for recreation, gardening, pets and entertaining. A 12x16 storage shed provides valuable space for lawn equipment and outdoor gear, while the oversized attached 2-car garage adds even more storage and convenience. The home sits back from the road with mature landscaping and a large front yard, giving the property a spacious feel that is increasingly hard to find. Concord Villas has recorded covenants and restrictions but no HOA fees. Located on the east side of Spencer, the property offers convenient access to State Road 46, providing an easy route into Spencer or east toward Bloomington. Outdoor recreation is close by at McCormick's Creek State Park, Indiana's first state park, featuring a limestone canyon, waterfalls, hiking trails, Canyon Inn and additional recreational amenities. Spencer offers everyday shopping and services, while Bloomington expands the options with Indiana University, dining, entertainment, shopping and major regional employers including Indiana University, Cook Group and IU Health. Boston Scientific also maintains operations in Spencer, making this location convenient for several of the area's major employment centers.
Directions on both Google and Apple maps will get you to the property.
Closet(s) Walk-in, Countertops-Laminate, Countertops-Solid Surf, Deck Open, Disposal, Dryer Hook Up Electric, Eat-In Kitchen, Kitchen Island, Open Floor Plan, Patio Open, Porch Covered, Main Level Bedroom Suite, Main Floor Laundry
Sale IncludesDishwasher, Microwave, Refrigerator, Washer, Cooktop-Gas, Dryer-Electric, Oven-Gas, Play/Swing Set, Water Heater Gas
| MLS # | 202640783 |
|---|---|
| Date Listed | 2026-10-01 |
| Status | Active |
| Property Type | Residential |
| Property SubType | Site-Built Home |
| Square Feet | 1,400 sqft |
| New Construction | No |
| Style | One Story |
| Type | Site-Built Home |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Annual Taxes | $1,184.00 |
| Year Taxes Payable | 2026 |
| Year Built | 1996 |
| Virtual Tour | propertypanorama.com » |
| Days on Market | 1 |
| Homestead Year | No |
| Design | Traditional |
|---|---|
| Cooling | Central Air |
| Heating | Gas, Forced Air |
| Garage | Attached |
| Hardwood Floors | Yes |
| Main Level Laundry | Yes |
| Living Room | 20 × 13 | Main Level |
| Kitchen | 22 × 13 | Main Level |
| Master Bedroom | 13 × 13 | Main Level |
| 2nd Bedroom | 10 × 12 | Main Level |
| 3rd Bedroom | 13 × 9 | Main Level |
| Full Baths | 2 Main |
| Construction | Site-Built Home |
|---|---|
| Exterior | Vinyl |
| Lot Size | 41,687 sq ft |
| Acreage | 0.96 Acres |
| Lot Dimensions | 168.25x299.53x135.65x264.41 |
| Parking | Yes |
| Sewer | Septic |
| Water | City |
| Fence | Full,Chain Link,Pet Fence |
| Area | Owen County |
|---|---|
| Location | Rural Subdivision |
| County | Owen |
| Subdivision | Concord Villas |
| Township | Washington |
| City | Spencer |
| State | IN |
| Zip | 47460 |
| School District | Spencer-Owen Community Schools |
|---|---|
| Elementary | Mccormicks Creek |
| Middle School | Owen Valley |
| High School | Owen Valley |
| Financing Terms | Assumable, Cash, Conventional, FHA, USDA, VA |
|---|---|
| Assoc. Dues | $0.00 Not Applicable |
| Assoc. Restrictions | Yes |
MLS# 202640783
Listing Provided Courtesy of Bob Magiera
Hoosier Realtors
Listing updated October 2, 2026 at 2:00 am
Last checked 8 minutes ago
IDX information provided by the Indiana Regional MLS. IDX information is provided exclusively 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 is deemed reliable but is not guaranteed accurate by the MLS.