102 Michael St, Spencer, IN 47460 Property Records

Owen County property record for 102 Michael St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,668 sqft · built 1972
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$281,960 (Sep 2023)
Tax Bill	$1,431 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-10-24-400-400.005-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-24-400-400.005-027`
Alternative APN	`00001030147`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,668 sqft Living Area
1st Floor Area	1,668 sqft
Family Room	Family Room

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1995
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	180 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001030147
Street Address	102 MICHAEL ST
City	SPENCER
State	IN
Zip	47460-7457
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 IN SE SE S24 T10 R3 .50A
Legal Range	3
Legal Township	10
Legal Section	24
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1016
Census Tract	955800

Owner

Source: Owen County records · APN 60-10-24-400-400.005-027

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	102 MICHAEL ST, SPENCER, IN 47460-7457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 05, 2023 · Amount on Record
Deed Sale	Sep 05, 2023 · Amount on Record
Prior Sale	Feb 04, 2013 · Amount on Record
Deed Document Number	2023234197
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Sep 05, 2023
Property Address	102 MICHAEL ST, SPENCER, IN 47460-7457
Document Number	0000234197
Instrument Date	Sep 01, 2023
Instrument	234197
Transaction Type	Transfer
Record Updated	Nov 24, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	102 MICHAEL ST, SPENCER, IN 47460-7457

Mortgage

Document Number	0000234198
Date	Sep 05, 2023
Instrument	234198

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2053

Tax Assessment & Valuation

Source: Owen County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,431.00 (+12.24%) Homeowner's exemption	$241,500 (+36.98%) Land $22,500 Building $219,000	$241,500 (+36.98%) Land $22,500 Building $219,000
2024	$1,275.00 (+7.59%)
2023	$1,185.00 (-7.49%)	$176,300 (+7.04%) Land $18,800 Building $157,500	$176,300 (+7.04%) Land $18,800 Building $157,500
2022	$1,281.00	$164,700 Land $18,800 Building $145,900	$164,700 Land $18,800 Building $145,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Owen County (18119C), as of August 9, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 181199558001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	15 (2003–2025)
Claims Outside the SFHA	4 of 15
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Apr 2025 · 2 claims Severe Storms, Flooding, And Tornadoes, Jun 2008 · 7 claims Severe Winter Storms And Flooding, Jan 2005 · 3 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
South Central Indiana Rural Electric Membership Fiber	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Smithville Holding Company.

Based on FCC filings for 54 locations within half a mile of this property.

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