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Photo: River Sunset 2 - panoramio by emu4286 (CC BY 3.0) License

Spencer Pay Lake

Fishing pond · Spencer, Indiana

Great conditions todaycamping-nearbyWheelchair accessible parking lot

Spencer Pay Lake is a 3.5 acre lake nestled in a beautiful, peaceful hay field just north of Spencer, IN. Stocked mostly with channel catfish, where you can also fish for bluegill, crappie, and more. $30 per adult (11 yrs & up) for a 12 hour fishing pass. Open 24/7 during the season. Children ten and under are free with purchase of an adult fishing pass. MONDAY SPECIAL: $20 pass for Senior citizens & Veterans every Monday! Come enjoy the outdoors & catch some fish!

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Weather at Spencer Pay Lake

H: 83° L: 67°
Sunny
Sunny
81°
|
Feels like 84°
Precipitation
73%
Humidity
61%
Wind
6 mph
UV Index
0.6
Water Conditions:
🏊Perfect for swimming
12 AM
Clear
74°
3 AM
Light rain
71°
6 AM
Clear
67°
9 AM
Partly Cloudy
69°
12 PM
Overcast
73°
3 PM
Sunny
83°
6 PM
Sunny
83°
9 PM
Clear
75°

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Frequently asked questions

Where is Spencer Pay Lake?
Spencer Pay Lake is a fishing pond in Spencer, Indiana.
Can you swim at Spencer Pay Lake?
There is no fixed answer for Spencer Pay Lake: whether it is safe to swim there on a given day depends on the water temperature, recent rainfall, and any advisories posted at Spencer Pay Lake in Spencer, Indiana. Check current water conditions before you go, and follow posted signs and local guidance.
How is Spencer Pay Lake rated?
Spencer Pay Lake in Spencer, Indiana has an average visitor rating of 3.9 out of 5, based on 59 reviews.
What amenities does Spencer Pay Lake have?
Visitor-listed amenities at Spencer Pay Lake include camping-nearby.

Visitor Reviews

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Best Times to Visit

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Perfect conditions right now!
🏞️ Lakes Tips:
  • Check for boat launch facilities and fees
  • Obtain required fishing licenses before arrival
  • Be aware of lake-specific regulations and restrictions
  • Monitor water quality reports before swimming
Best Seasons:
☀️ Summer (Jun-Aug)🍂 Fall (Sep-Nov)🌸 Spring (Mar-May)

Location & Contact

2144 US-231, Spencer, IN 47460

Spencer, Indiana 47460

Popular Times

Monday
Morning
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11a
Afternoon
12p
1p
2p
3p
4p
5p
Evening
6p
7p
8p
9p
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Not busy
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People Talk About

💬 catfish💬 blue gill💬 price💬 money💬 baby

Accessibility

Wheelchair accessible parking lot

Amenities

Camping nearby