119 E Jefferson St, Spencer, IN 47460 Property Records

Owen County property record for 119 E Jefferson St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 814 sqft · built 1926
Lot Size	0.086 acres (3,746 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Nov 2020)
Tax Bill	$559 (2025)
Deeds & Mortgages	Sep 2023 Transfer Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`60-10-20-400-400.567-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.567-028`
Alternative APN	`00001037983`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	814 sqft Living Area
1st Floor Area	814 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1993
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	3,746 sqft (0.086 acres)
Lot Dimensions	68 ft deep x 55 ft wide
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001037983
Street Address	119 E JEFFERSON ST
City	SPENCER
State	IN
Zip	47460-1839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER PT LOT 100 TOD TO OWEN COUNTY COMMUNITY FOUNDATION INC
Legal Subdivision	TOWN OF SPENCER
Legal Lot Number	100
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4039
Census Tract	955800

Owner

119 E Jefferson St is owned and occupied by two individuals who acquired it in August 2023.

Source: Owen County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	119 E JEFFERSON ST, SPENCER, IN 47460-1839
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Transfer on Death Deed, Transfer
Nov 10, 2020	Warranty Deed, Transfer · Conventional Mortgage THE PEOPLES STATE BANK
May 24, 2019	Warranty Deed, Transfer · Conventional Mortgage INDIANA UNIVERSITY CU
May 1, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2020 · Amount on File
Deed Sale	Nov 10, 2020 · Amount on File
Prior Sale	May 24, 2019 · Amount on File
Deed Document Number	2020222489
Last Transfer Date	Aug 31, 2023
Transfer Doc	0000234170
Record Updated	Oct 29, 2026

September 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	OWEN IN
Recording Date	Sep 1, 2023
Property Address	119 E JEFFERSON ST, SPENCER, IN 47460-1839
Document Number	0000234170
Map Reference	DD 1 PG 14
Instrument Date	Aug 31, 2023
Instrument	234170
Transaction Type	Transfer
Record Updated	Sep 15, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 E JEFFERSON ST, SPENCER, IN 47460-1839

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Nov 10, 2020
Property Address	119 E JEFFERSON ST, SPENCER, IN 47460-1839
Document Number	0000222489
Map Reference	DR 1 PG 14
Instrument Date	Oct 30, 2020
Instrument	222489
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 E JEFFERSON ST, SPENCER, IN 47460-1839

Mortgage

Document Number	0000222490
Date	Nov 10, 2020
Instrument	222490

Lender

Name	THE PEOPLES STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	May 24, 2019
Property Address	119 E JEFFERSON ST, SPENCER, IN 47460-1839
Document Number	0000216355
Map Reference	DD 1 PG 14
Instrument Date	May 22, 2019
Instrument	216355
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 E JEFFERSON ST, SPENCER, IN 47460-1839
Investor	Possibly a Property Investor

Mortgage

Document Number	0000216356
Date	May 24, 2019
Instrument	216356

Lender

Name	INDIANA UNIVERSITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	May 1, 2018
Property Address	119 E JEFFERSON ST, SPENCER, IN 47460-1839
Document Number	0000212697
Map Reference	DD1 PG14
Instrument Date	Apr 30, 2018
Instrument	212697
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 20, GOSPORT, IN 47433-0020

Tax Assessment & Valuation

The 2025 property tax bill for 119 E Jefferson St was $559 with a homeowner's exemption, down 13.5% 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	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	$559.00 (-13.47%) Homeowner's exemption	$99,600 Land $9,500 Building $90,100	$99,600 Land $9,500 Building $90,100
2024	$646.00 (+8.57%)
2023	$595.00 (+56.58%)	$90,200 (+28.86%) Land $7,000 Building $83,200	$90,200 (+28.86%) Land $7,000 Building $83,200
2022	$380.00	$70,000 Land $7,000 Building $63,000	$70,000 Land $7,000 Building $63,000

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 119 E Jefferson St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	49 (1993–2025)
Claims Outside the SFHA	3 of 49
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 24 claims Severe Winter Storms And Flooding, Jan 2005 · 16 claims Severe Storms, Tornadoes, And Flooding, Sep 2003 · 2 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

Wildfire risk around 119 E Jefferson St 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	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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