1 Spence St, Spencer, IN 47460 Property Records

Owen County property record for 1 Spence St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 2,652 sqft · built 1873
Lot Size	0.485 acres (21,127 sqft)
Owner	Individual Name on Record
Tax Bill	$3,751 (2025)
Deeds & Mortgages	Oct 2018 Sale Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-400-400.307-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.307-028`
Alternative APN	`00001036688`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,652 sqft Living Area
1st Floor Area	2,652 sqft

Exterior

Year Built	Built 1873
Effective Year Built	Effective 1950
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	21,127 sqft (0.485 acres)
Lot Dimensions	136 ft deep x 131 ft wide
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001036688
Street Address	1 SPENCE ST
City	SPENCER
State	IN
Zip	47460-1253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOLFS PT LOT 4 WOLFS PT LOT 3
Legal Subdivision	WOLFS ADD
Legal Lot Number	4,3
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3019
Census Tract	955800

Owner

Source: Owen County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3568 E BRYN MAWR DR, BLOOMINGTON, IN 47401-7888
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2018	Land Contract, Transfer
Nov 28, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FINANCIAL CENTER FIRST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2024
Deed Sale	Aug 13, 2024
Prior Sale	Aug 2, 2024
Deed Document Number	2024237482
Prior Transfer Date	Jul 24, 2024
Prior Transfer Doc	0000237318
Record Updated	Sep 20, 2026

October 2018: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	OWEN IN
Recording Date	Oct 4, 2018
Property Address	1 SPENCE ST, SPENCER, IN 47460-1253
Document Number	214252
Instrument Date	Nov 10, 2017
Instrument	214252
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Nov 28, 2017
Property Address	1 SPENCE ST, SPENCER, IN 47460-1253
Document Number	211167
Instrument Date	Nov 9, 2017
Instrument	211167
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 10, 2021

Transaction

Tax	$0.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 SPENCE ST, SPENCER, IN 47460-1253

Mortgage

Document Number	211168
Date	Nov 28, 2017
Instrument	211168

Lender

Name	FINANCIAL CENTER FIRST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	145 Months
Due	Dec 1, 2029

Tax Assessment & Valuation

Source: Owen County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Owen County
County Subdivision	Washington Township
Municipality	Spencer Town
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,751.00 (+142.31%) Homeowner's exemption	$198,600 (+34.1%) Land $34,800 Building $163,800	$198,600 (+34.1%) Land $34,800 Building $163,800
2024	$1,548.00 (+9.17%)
2023	$1,418.00 (+40.54%)	$148,100 Land $23,200 Building $124,900	$148,100 Land $23,200 Building $124,900
2022	$1,009.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 9, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	16 (1993–2025)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 9 claims Severe Winter Storms And Flooding, Jan 2005 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BBP WATER COMPANY serves 9,903 people · EPA ID IN5260001
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: South Central Indiana REMC, T-Mobile.

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