Owen County property record for 1010 River Rd, Spencer, IN 47460
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,550 sqft · built 2000 |
| Lot Size | 19.4 acres (845,500 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,869 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Feb 2007 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-10-28-104-050.000-027 |
| Primary APN | 60-10-28-104-050.000-027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,550 sqft Living Area |
| 1st Floor Area | 2,550 sqft |
| Attic | Attic |
| Attic Area | 2,550 sqft |
| Basement Area | 2,550 sqft |
| Finished Basement | 2,550 sqft |
| Family Room | Family Room |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 845,500 sqft (19.4 acres) |
| Terrain | High |
| Garage Type | Attached |
| Garage Area | 644 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 00001026289 |
|---|---|
| Street Address | 1010 RIVER RD |
| City | SPENCER |
| State | IN |
| Zip | 47460-9265 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PT E 1/2 S28 T10 R3 19.41A AKA TRACK B-2 |
| Legal Range | 3 |
| Legal Township | 10 |
| Legal Section | 28 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 955900 |
Source: Owen County records, as of August 31, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 18, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 16, 2007 | Deed of Trust, Mortgage · Conventional Mortgage OWEN COUNTY STATE BANK |
| Aug 13, 2025 | Intrafamily Transfer, Transfer |
| Jul 3, 2025 | Warranty Deed, Transfer · Conventional Mortgage INDIANA UNIVERSITY CU |
| Jul 17, 2023 | Warranty Deed, Transfer |
| Aug 20, 2021 | Warranty Deed, Transfer |
| May 28, 2019 | Warranty Deed, Transfer |
| Jan 10, 2019 | Warranty Deed, Transfer |
| Jun 1, 2015 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2026 |
| Deed Sale | Aug 18, 2026 |
| Prior Sale | Jul 3, 2025 · Amount on Record |
| Deed Document Number | 2026244646 |
| Prior Transfer Date | May 6, 2015 |
| Prior Transfer Doc | 0000201607 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Aug 18, 2026 |
| Property Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
| Document Number | 0000244646 |
| Instrument Date | Jul 1, 2026 |
| Instrument | 2026244646 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000170347 |
|---|---|
| Date | Feb 16, 2007 |
| Instrument | 170347 |
| Name | OWEN COUNTY STATE BANK |
|---|---|
| Address | SPENCER, IN 47460 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 7, 2032 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Aug 13, 2025 |
| Property Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
| Document Number | 0000240959 |
| Instrument Date | Aug 1, 2025 |
| Instrument | 240959 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4222 PAYNE KOEHLER RD, NEW ALBANY, IN 47150-9521 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Jul 3, 2025 |
| Property Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
| Document Number | 0000240564 |
| Instrument Date | Jun 24, 2025 |
| Instrument | 240564 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2026 |
| Title Company | ACUITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
| Document Number | 0000240565 |
|---|---|
| Date | Jul 3, 2025 |
| Instrument | 240565 |
| Name | INDIANA UNIVERSITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Jul 17, 2023 |
| Property Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
| Document Number | 0000233633 |
| Instrument Date | Jul 13, 2023 |
| Instrument | 233633 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 4222 PAYNE KOEHLER RD, NEW ALBANY, IN 47150-9521 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Aug 20, 2021 |
| Property Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
| Document Number | 0000226151 |
| Instrument Date | Aug 13, 2021 |
| Instrument | 226151 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 788 POTTERSVILLE RD, SPENCER, IN 47460-6698 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | May 28, 2019 |
| Property Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
| Document Number | 0000216378 |
| Instrument Date | May 23, 2019 |
| Instrument | 216378 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12411 HUMMINGBIRD WAY, SELLERSBURG, IN 47172-9683 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Jan 10, 2019 |
| Property Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
| Document Number | 0000215197 |
| Instrument Date | Jan 9, 2019 |
| Instrument | 215197 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3319 VICTORIA AVE, COLUMBUS, IN 47203-2460 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Jun 1, 2015 |
| Property Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
| Document Number | 0000201607 |
| Instrument Date | May 6, 2015 |
| Instrument | 201607 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1010 RIVER RD, SPENCER, IN 47460-9265 |
Source: Owen County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Washington Township |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,869.00 (-43.76%) | $545,900 (+13.52%) Land $38,800 Building $507,100 | $545,900 (+13.52%) Land $38,800 Building $507,100 |
| 2024 | $6,879.00 (+1.54%) | $480,900 (+8.53%) Land $34,500 Building $446,400 | $480,900 (+8.53%) Land $34,500 Building $446,400 |
| 2023 | $6,775.00 (-33.51%) | $443,100 (+14%) Land $32,900 Building $410,200 | $443,100 (+14%) Land $32,900 Building $410,200 |
| 2022 | $10,189.00 | $388,700 Land $31,200 Building $357,500 | $388,700 Land $31,200 Building $357,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2008 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · above 45% of Indiana |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| South Central Indiana REMC Fiber | 1,000 / 1,000 |
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