# 186 Ryan Court, Spencer, IN 47460 > **TL;DR:** 3bd/3ba single family, $329,900 ($134/sqft), built 1992, 2,464 sqft. > A/C, 2-car garage. Est. $1,764/mo. Listed 84 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $329,900 | | Price/sqft | $134 | | Bedrooms | 3 | | Bathrooms | 2 full, 1 half | | Square Feet | 2,464 | | Year Built | 1992 | | Lot Size | 36,590 sqft (0.84 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 84 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,668 | | Estimated Insurance | $96 | | **Total** | **$1,764** | ## Nearby Schools - **Elementary:** Spencer - **Middle:** Owen Valley - **High:** Owen Valley ## Key Amenities - A/C - 2-car garage ## Property Highlights - Built in 1992 - 0.84 acre lot - 2 stories ## Description ### Agent Description 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 Spencer elementary, Owen Valley middle/high school, YMCA, 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! ## Location - **Address:** 186 Ryan Court, Spencer, IN 47460 - **County:** Owen County - **Neighborhood:** White Oak(s) - **Coordinates:** 39.287299, -86.795211 - **Google Maps:** https://www.google.com/maps?q=39.287299,-86.795211 ## Virtual Tour & Media - **Video Tour:** https://www.propertypanorama.com/instaview/irmls/202632147 ## Listing Agent - **Name:** Tilden Keith - **Brokerage:** Keith Realty & Auction Group - **Broker Phone:** 812 8217772 ## Photos ![186 Ryan Court - Photo 1](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f3285470365r.jpg) ![186 Ryan Court - Photo 2](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f3841297705r.jpg) ![186 Ryan Court - Photo 3](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f3307081970r.jpg) ![186 Ryan Court - Photo 4](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f2338718474r.jpg) ![186 Ryan Court - Photo 5](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f357837386r.jpg) ![186 Ryan Court - Photo 6](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f3193348248r.jpg) ![186 Ryan Court - Photo 7](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f1278849503r.jpg) ![186 Ryan Court - Photo 8](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f3337371015r.jpg) ![186 Ryan Court - Photo 9](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f1786957056r.jpg) ![186 Ryan Court - Photo 10](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f3156593054r.jpg) ![186 Ryan Court - Photo 11](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f4108709746r.jpg) ![186 Ryan Court - Photo 12](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f3828933197r.jpg) ![186 Ryan Court - Photo 13](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f2793593760r.jpg) ![186 Ryan Court - Photo 14](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f772234662r.jpg) ![186 Ryan Court - Photo 15](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f1395140189r.jpg) ![186 Ryan Court - Photo 16](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f3689023157r.jpg) ![186 Ryan Court - Photo 17](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f3559862847r.jpg) ![186 Ryan Court - Photo 18](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f527488937r.jpg) ![186 Ryan Court - Photo 19](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f2739235933r.jpg) ![186 Ryan Court - Photo 20](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f396279093r.jpg) ![186 Ryan Court - Photo 21](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f1087814841r.jpg) ![186 Ryan Court - Photo 22](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f1155185833r.jpg) ![186 Ryan Court - Photo 23](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f2597664456r.jpg) ![186 Ryan Court - Photo 24](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f2693555431r.jpg) ![186 Ryan Court - Photo 25](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f651877095r.jpg) ![186 Ryan Court - Photo 26](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f112410743r.jpg) ![186 Ryan Court - Photo 27](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f761261507r.jpg) ![186 Ryan Court - Photo 28](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f3563643849r.jpg) ![186 Ryan Court - Photo 29](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f1178762417r.jpg) ![186 Ryan Court - Photo 30](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f1877004094r.jpg) ![186 Ryan Court - Photo 31](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f390640228r.jpg) ![186 Ryan Court - Photo 32](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f1296636514r.jpg) ![186 Ryan Court - Photo 33](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f1779616845r.jpg) ![186 Ryan Court - Photo 34](http://lh.rdcpix.com/5d339641578d4d4f628e38606c7923a3l-f899232222r.jpg) --- **MLS#:** 202632147 | **Updated:** 2026-10-25 **Source:** listhub *Copyright © 2026 Indiana Uplands Realtor® Association. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/186-ryan-court-spencer-in-47460-bc9f0aed1be542a492ef7f92cda9e919) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/186-ryan-court-spencer-in-47460-bc9f0aed1be542a492ef7f92cda9e919#listing", "url": "https://staging.propertysimple.ai/listing/186-ryan-court-spencer-in-47460-bc9f0aed1be542a492ef7f92cda9e919", "name": "186 Ryan Court, Spencer, IN 47460", "description": "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. 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