186 Ryan Ct, Spencer, IN 47460
Property image
Property image
FOR SALE
0.84 ACRES

186 Ryan Ct
Spencer, IN 47460

  • 3 Beds
  • 2.5 Baths
  • 2,464 sqft (on 0.84 acres)

$334,900

Est. Mortgage $1,991/mo*

$334,900

Est. Mortgage $1,991/mo*
3 Beds
2.5 Baths
2,464 sqft
(on 0.84 acres)

Home Highlights

Parking
2 Car Garage
Climate Control
Heating & Cooling
Price/Sqft
$136
Listed
3 days ago

Local Information

  • Map ViewExplore the area around 186 Ryan Ct.
  • Schools1 Preschool School1 Elementary School1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

About this House

Welcome to this spacious 3 Bedroom, 2 1/2 bath home with 2,464-square-foot residence situated on a 0.84-acre lot in the desirable White Oaks Estates neighborhood of Spencer. Designed with both comfort and functionality in mind, this home offers a main-level primary bedroom with its own private bath, along with a convenient half bath for guests and a main-level laundry room. Upstairs, you'll find two additional bedrooms and a full bath, providing flexible space for a variety of living arrangements. The home's generous living areas offer plenty of room for everyday living, entertaining, or relaxing. Outside, enjoy the large yard with space for outdoor activities, gardening, or simply unwinding. The attached 2-car garage provides ample parking and storage, while the 12' x 16' storage shed offers additional room for tools, lawn equipment, or hobbies. Conveniently located just minutes from schools, shopping, dining, and local amenities, this property combines space, practicality, and a desirable location. Don't miss the opportunity to make this inviting Spencer home your own!

Home Details for 186 Ryan Ct

Active Status

MLS Status: Active

Interior Features

Interior Details
Number of Rooms: 7Types of Rooms: Master Bedroom, Bedroom 2, Bedroom 3, Dining Room, Kitchen, Laundry, Living Room
Beds & Baths
Number of Bedrooms: 3Main Level Bedrooms: 1Number of Bathrooms: 3Number of Bathrooms (full): 2Number of Bathrooms (half): 1Number of Bathrooms (main level): 2
Dimensions and Layout
Living Area: 2464 Square Feet
Appliances & Utilities
Appliances: Dryer, Gas Water Heater, Electric Oven, WasherDryerWasher
Heating & Cooling
Heating: Forced Air,Natural GasHas CoolingAir Conditioning: Central AirHas HeatingHeating Fuel: Forced Air
Levels, Entrance, & Accessibility
Stories: 2Levels: Two

Exterior Features

Exterior Home Features
Foundation: Crawl Space
Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2Other Parking: Garage Parking Other(Garage Door Opener)No CarportHas a GarageHas an Attached GarageParking Spaces: 2Parking: Attached
Farm & Range
Horse Amenities: None

Days on Market

Cumulative Days on Market: 3Days on Market: 3

Property Information

Year Built
Year Built: 1992
Property Type / Style
Property Type: ResidentialProperty Subtype: Residential, Single Family ResidenceArchitecture: Traditional
Building
Construction Materials: Vinyl SidingNot a New ConstructionNot Attached Property
Property Information
Parcel Number: 601019300400120028

Price & Status

Price
List Price: $334,900Price Per Sqft: $136
Status Change & Dates
Possession Timing: Negotiable

Location

Direction & Address
City: SpencerCommunity: White Oaks
School Information
Elementary School: Spencer Elementary SchoolJr High / Middle School: Owen Valley Middle SchoolHigh School: Owen Valley Community High SchoolHigh School District: Spencer-Owen Community Schools

Agent Information

Listing Agent
Listing ID: 22118916

Building

Building Area
Building Area: 2464 Square Feet

HOA

No HOA

Lot Information

Lot Area: 0.84 acres

Listing Info

Special Conditions: Estate

Miscellaneous

Mls Number: 22118916
Last check for updates: about 11 hours ago
Listing Provided by: Tilden Keith
Keith Realty & Auction Group
Source: MIBOR as distributed by MLS GRID, MLS#22118916

Market trends in Spencer

Last updated June 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
Sale-to-List Price
Price per sq ft
Available listings
50
1
MoM

Price History for 186 Ryan Ct

DatePriceEventSource
08/07/2026$334,900Listed For SaleIRMLS #202632147

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Property Tax and Assessment

Year2025
Tax$2,321
Assessment$264,300
Home facts updated by county records

Comparable Sales for 186 Ryan Ct

Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
0.56
Single-Family Home
$220,000
09/02/25
3
2
1,314
0.34
Single-Family Home
$117,150
03/18/26
2
1
768
1.16
Single-Family Home
$215,000
08/19/25
3
2
1,145
1.66
Single-Family Home
$325,000
06/17/26
4
2.5
2,204
1.47
Single-Family Home
$226,000
07/14/26
4
1.5
3,456
1.64
Single-Family Home
$331,650
06/17/26
4
3
2,280
1.58
Single-Family Home
$255,000
05/11/26
4
2.5
3,222
1.32
Single-Family Home
$139,000
04/17/26
3
1
888

Nearby homes

Get a sense of prices in the area by checking nearby homes.
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Assigned Schools

These are the assigned schools for 186 Ryan Ct.
The GreatSchools Rating compares schools on a variety of school quality indicators including test scores, college readiness, equity and more. Learn more.

What Locals Say about Spencer

At least 19 Trulia users voted on each feature.
  • 95 % Say parking is easy

  • 92 % Say car is needed

  • 92 % Say there's holiday spirit

  • 85 % Say yards are well-kept

  • 72 % Say it's quiet

  • 64 % Say it's walkable to grocery stores

  • 61 % Say it's walkable to restaurants

  • 61 % Say kids play outside

  • 59 % Say people would walk alone at night

  • 59 % Say there are sidewalks

  • 58 % Say there's wildlife

  • 56 % Say neighbors are friendly

  • 55 % Say they plan to stay for at least 5 years

  • 54 % Say it's dog friendly

  • 45 % Say streets are well-lit

  • 37 % Say there are community events

Sourced by Trulia users. Learn more about our methodology.
  • Jenny R.
    "I have lived here for 16 years. It’s a quiet, safe area to call home. More in the country and that is why there is it much trick-or-treating in my area."
  • Emily G.
    "We love the Pride festivities! The best parade in the area! Really a sight to see. Beautiful country side, as well. "
  • Jenniferdyson69
    "I haven't lived here long looking to find a place for my family near by. so far spencer is a nice place and I would love my blended family to start a life here. "
  • Dawn O.
    "I find this area to be peaceful where I can be left alone as I wish yet the community is friendly. I always see a familar face when I go somewhere. Its a small quaint town, exactly what I wanted to raise my children in. My 13 yo son is thriving in the Middle School and the Elementary has amazing programs for my 3 yo son with special needs. Although I live in the country, surrounded by trees, nature, birds,deer and racoon, I can be in town and the stores, restaurants within a 5 minute drive. My son has even ridden his bike."
  • Eldar U.
    "Only 25 minutes from Bloomington and other larger towsn, but enjoy country living with spectacular views of McCormick's Creek Park."
  • Milton M.
    "We are retired and have been here eight years. Summers are wonderful,fall is beautiful,winters are mild. The terrain is very hilly with good roads. This part of owen county is just like brown county which is fameous for it's beauty."

LGBTQ Local Legal Protections

Frequently asked questions about 186 Ryan Ct

  • What is the estimated monthly payment for 186 Ryan Ct?
    Based on a $334,900 list price with 20% down at today's rates, the estimated monthly payment for 186 Ryan Ct in Spencer, IN is approximately $2,019 (about $1,757 principal & interest, $187 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
  • What do residents say about Spencer?
    Residents describe Spencer, IN as easy to park in, well-kept, and quiet. Most residents say you need a car. See homes for sale in Spencer, IN.
  • What are the closest schools to 186 Ryan Ct?
    The closest schools to 186 Ryan Ct in Spencer, IN are Owen Valley Community High School (rated 4/10), Owen Valley Middle School (rated 7/10), Spencer Elementary School (Pre-K, rated 4/10).
  • What is 186 Ryan Ct estimated to be worth?
    Trulia's estimated value for 186 Ryan Ct in Spencer, IN is $323,900.
  • Does 186 Ryan Ct have air conditioning?
    Yes, 186 Ryan Ct in Spencer, IN has air conditioning.
  • Does 186 Ryan Ct have laundry facilities?
    Yes, 186 Ryan Ct in Spencer, IN has in-unit laundry.
Tilden Keith, Keith Realty & Auction Group
Based on information submitted to the MLS GRID as of 2026-08-09 23:53:07 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. Click here for more information
186 Ryan Ct, Spencer, IN 47460 is a 3 bedroom, 3 bathroom, 2,464 sqft single-family home built in 1992. This property is currently available for sale and was listed by MIBOR as distributed by MLS GRID on Aug 7, 2026. The MLS # for this home is MLS# 22118916.