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$124,900

Listing Price

2beds

1baths

840sqft

6,403sqft lot

305 Spencer St, Saint Joe, IN 46785

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  • Full foreclosure details

  • Home value, equity and ownership info

  • Find homes priced below market

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For Sale

Off Market

Single Family

Home type

186.35

Price / sqft

1948

Year built

Home Details

Nestled in the quaint small town of Saint Joe is this 2 bedroom home with tons of charm just waiting for its new owner! When you enter the home, take note of the brand new flooring and sunny natural light streaming in the windows of the family room, which connects to the dining area. The kitchen boasts a tile backsplash, updated lighting, 2-basin sink, lots of open cupboard space, and laminate flooring. Refrigerator is just two years old and stove is only a year old. The primary bedroom has built-in drawers and a recently-added rough-hewn wood accent wall. The second bedroom is 12 x 11 and has two closets that are separated by a recessed area that could be perfect for a dresser or shelves. The basement is large and has an area for laundry that include a brand new washer and dryer, and newer utility sink. The owners recently sectioned off a space for a bedroom; keep it this way or remodel to make it suit your needs! Home has a propane furnace and air conditioning to keep you comfortable year-round. The backyard has an awesome sitting area and fire pit. The asphalt driveway leads to a deep one-car garage that will house your mower and yard equipment as well as a vehicle. The garage shelving stays. Brand new roof on both the house and garage was completed in the past four years, and electrical panel was updated 5 years ago. With low property taxes and move-in ready condition, this one is a must-see!

Interior Details

Square Feet
  • 840

Bedrooms
  • 2

Bathrooms
  • 1

Heating
  • Has Heating:

    Yes

  • Heating Type:

    Central

Cooling
  • Has Cooling:

    No

  • Cooling Type:

    N/A

Fuel
  • Has Fuel:

    Yes

  • Fuel Type:

    Gas

Basement
  • Has Basement:

    No

  • Basement Type:

    Full

Flooring
  • Has Flooring:

    No

  • Flooring Type:

    N/A

Fireplace
  • Has Fireplace:

    Yes

  • Fireplace Type:

    N/A

Property Details

Lot Size
  • 6403

Water
  • Yes

Sewer
  • Yes

Parking
  • Type:

    Garage, Detached

  • Location:

    N/A

  • Status:

    N/A

  • Number of Spaces:

    1

Deck
  • N/A

Patio
  • N/A

Fence
  • N/A

Pool
  • N/A

Porch
  • N/A

Stoop
  • N/A

Breezeway
  • N/A

Construction Details

Number of Stories
  • 1

Style
  • N/A

Exterior
  • N/A

Foundation
  • N/A

Roof
  • N/A

Roofing Material
  • Asphalt

Tax History

Year

Amount

Land

Improvement

Percent Change

Assessment

2019

$778

$4,800

$55,700

--%

$60,500

2018

$814

$4,800

$33,600

--%

$38,400

2017

$792

$4,800

$35,400

--%

$40,200

2016

$11

$4,800

$34,800

--%

$39,600

2016

$11

$4,800

$34,500

--%

$39,300

percent-home-icon

Average Home Price in 46785

Nearby Properties

Zip Code

Price

Bed

Bath

Sqft

Lot

Sold Date

$124,900

2 Beds

1 Baths

840 Sqft

6,403 Lot (sqft)

Sold 10/27/2026

$135,000

2 Beds

2 Baths

932 Sqft

10,890 Lot (sqft)

Sold 10/27/2026

percent-home-icon

Calculators

Mortgage

Mortgage Calculator

Calculate your monthly mortgage payments.
Household Income
70,000
$
Home price
124,900
$
Down payment
24,980
$
Mortgage Rate
6.5
%
Loan Term
Property Tax Rate
1.1
%
Homeowner's Insurance (Annual)
749.4
$
HOA (Monthly)
0
$
PMI
0
$
$809
Your Payment
Total Monthly Payment:$809
Percent of Income:14%
Affordable:Yes

Details for 305 SPENCER ST

Property Debt

Foreclosure Contact Details