1002 Clark Rd, Spencer, IN 47460 Property Records

Owen County property record for 1002 Clark Rd, Spencer, IN 47460

Property Summary

Property Type	Rural Home
Details	1 bd · 1 ba · 800 sqft · built 2023
Lot Size	28.3 acres (1,236,233 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Sep 2021)
Tax Bill	$874 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Dec 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`60-07-31-200-190.000-024`

Property Details

APN / Parcel Number

Primary APN	`60-07-31-200-190.000-024`
Alternative APN	`00001013173`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Wood
Roof Material	Metal
Lot Area	1,236,233 sqft (28.3 acres)
Terrain	High
Lean-To	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001013173
Street Address	1002 CLARK RD
City	SPENCER
State	IN
Zip	47460-7213
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	IN SE NW S31 T11 R3 26.95A AKA TRACT 1 PT SE NW S31 T11 R3 1.43A AKA TRACT 3
Legal Range	3
Legal Township	11
Legal Section	31
Legal Tract	1,3
Jurisdiction	OWEN IN
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1000
Census Tract	955701

Owner

1002 Clark Rd, a rural home, is owned and occupied by an individual who bought it in September 2021.

Source: Owen County records, as of October 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1002 CLARK RD, SPENCER, IN 47460-7213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2017	Deed of Trust, Mortgage · ARM BLOOMBANK
Dec 8, 2021	Deed of Trust, Mortgage · Closed-End Mortgage FIRST FARMERS BANK & TRUST
Jul 26, 2022	Deed of Trust, Mortgage · Closed-End Mortgage FIRST NATIONAL BANK
Sep 1, 2023	Deed of Trust, Mortgage · Closed-End Mortgage FIRST NATIONAL BANK
Sep 16, 2021	Warranty Deed, Transfer · Closed-End Mortgage FIRST FARMERS BANK & TRUST
Sep 16, 2021	Warranty Deed, Transfer
May 4, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2021 · Amount on File
Deed Sale	Sep 16, 2021 · Amount on File
Prior Sale	Sep 16, 2021 · Amount on File
Deed Document Number	2021226469
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	1002 CLARK RD, SPENCER, IN 47460-7213
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000211052
Date	Nov 20, 2017
Instrument	211052

Lender

Name	BLOOMBANK
Type	Bank
Address	BLOOMFIELD, IN 47424

Agreement

Type	ARM
Amount	Amount on Record
Term	119 Months
Due	Oct 26, 2027

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Oct 26, 2018
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	7.12%
Index	1-Year CMT
Max Rate	11.1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	1002 CLARK RD, SPENCER, IN 47460-7213
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3492 PUMPKIN RIDGE RD, CLOVERDALE, IN 46120-8094

Mortgage

Document Number	0000227422
Date	Dec 8, 2021
Instrument	227422

Lender

Name	FIRST FARMERS BANK & TRUST
Type	Bank
Address	KOKOMO, IN 46901

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	57 Months
Due	Sep 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	1002 CLARK RD, SPENCER, IN 47460-7213
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9805 HRCKORY RD, SPENCER, IN 47460-9006

Mortgage

Document Number	0000230134
Date	Jul 26, 2022
Instrument	230134

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	CLOVERDALE, IN 46120

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 15, 2023

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	1002 CLARK RD, SPENCER, IN 47460-7213
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1002 CLARK RD, SPENCER, IN 47460-7213

Mortgage

Document Number	0000234183
Date	Sep 1, 2023
Instrument	234183

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	CLOVERDALE, IN 46120

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 2, 2053

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Sep 16, 2021
Property Address	1002 CLARK RD, SPENCER, IN 47460-7213
Document Number	0000226467
Instrument Date	Sep 8, 2021
Instrument	226467
Transaction Type	Transfer
Record Updated	Feb 26, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3492 PUMPKIN RIDGE RD, CLOVERDALE, IN 46120-8094

Mortgage

Document Number	0000226468
Date	Sep 16, 2021
Instrument	226468

Lender

Name	FIRST FARMERS BANK & TRUST
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 8, 2036

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Sep 16, 2021
Property Address	1002 CLARK RD, SPENCER, IN 47460-7213
Document Number	0000226469
Instrument Date	Sep 8, 2021
Instrument	226469
Transaction Type	Transfer
Record Updated	Feb 26, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3492 PUMPKIN RIDGE RD, CLOVERDALE, IN 46120-8094

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	May 4, 2020
Property Address	1002 CLARK RD, SPENCER, IN 47460-7213
Document Number	0000220220
Instrument Date	May 1, 2020
Instrument	220220
Transaction Type	Transfer
Record Updated	Feb 26, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	PO BOX 6983, BLOOMINGTON, IN 47407-6983

Tax Assessment & Valuation

The 2025 property tax bill for 1002 Clark Rd was $874, up 610.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$874.00 (+610.57%)	$151,100 Land $28,500 Building $122,600	$151,100 Land $28,500 Building $122,600
2024	$123.00 (+10.81%)
2023	$111.00 (+126.53%)	$8,000 Land $8,000	$8,000 Land $8,000
2022	$49.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1002 Clark Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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	1 (2021)
Most Recent Claim	Jun 2021 · rainfall accumulation

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

Wildfire risk around 1002 Clark Rd is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
South Central Indiana REMC Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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