12434 N Co Rd 650 E, Lamar, IN 47550 Property Records

Spencer County property record for 12434 N Co Rd 650 E, Lamar, IN 47550

Property Summary

Property Type	Rural Home
Details	4 bd · 1 ba · 1,848 sqft · built 1840
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on File
Last Sale	$273,800 (Dec 2017)
Tax Bill	$3,348 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-05-23-300-014.000-004`

Property Details

APN / Parcel Number

Primary APN	`74-05-23-300-014.000-004`
Alternative APNs	`02023000000200` `00001000716`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,848 sqft Living Area
1st Floor Area	1,428 sqft
Attic	Attic
Attic Area	1,428 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1930
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	1,742,400 sqft (40 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	360 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	00001000716
Street Address	12434 N COUNTY ROAD 650 E
City	LAMAR
State	IN
Zip	47550-7212
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A
Legal Description	NE SW SEC23 T5 R5 40.0000 A.
Jurisdiction	SPENCER IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2008
Census Tract	952800

Owner

12434 N Co Rd 650 E, a rural home, is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	12434 N COUNTY ROAD 650 E, LAMAR, IN 47550-7212
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
Feb 10, 2021	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Aug 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM BANK
Dec 1, 2017	Intrafamily Transfer, Transfer · Construction Mortgage FREEDOM BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2017 · Amount on File
Deed Sale	Dec 1, 2017 · Amount on File
Deed Document Number	20173512
Prior Transfer Date	Nov 24, 2017
Prior Transfer Doc	2017R03512
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER IN
Property Address	12434 N COUNTY ROAD 650 E, LAMAR, IN 47550-7212
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R00595
Date	Feb 10, 2021
Instrument	2021R-00595

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER IN
Property Address	12434 N COUNTY ROAD 650 E, LAMAR, IN 47550-7212
Transaction Type	Mortgage
Record Updated	Jul 30, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R02533
Date	Aug 28, 2018
Instrument	2018R-02533

Lender

Name	FREEDOM BANK
Type	Bank
Address	DALE, IN 47523

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 24, 2033

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SPENCER IN
Recording Date	Dec 1, 2017
Property Address	12434 N COUNTY ROAD 650 E, LAMAR, IN 47550-7212
Document Number	2017R03512
Instrument Date	Nov 24, 2017
Instrument	2017R-03512
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12434 N COUNTY ROAD 650 E, LAMAR, IN 47550-7212

Mortgage

Document Number	2017R03513
Date	Dec 1, 2017
Instrument	2017R-03513

Lender

Name	FREEDOM BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Nov 24, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 12434 N Co Rd 650 E was $3,348 with a homeowner's exemption, down 9% from the year before.

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

Property Jurisdictions

Type	Name
State	Indiana
County	Spencer County
County Subdivision	Clay Township
Unified School District	North Spencer County School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,348.00 (-9.05%) Homeowner's exemption	$382,900 Land $84,800 Building $298,100	$382,900 Land $84,800 Building $298,100
2024	$3,681.00
2023		$377,500 (+19.58%) Land $80,400 Building $297,100	$377,500 (+19.58%) Land $80,400 Building $297,100
2022	$2,316.00	$315,700 Land $49,600 Building $266,100	$315,700 Land $49,600 Building $266,100

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

Flood

FEMA maps place 12434 N Co Rd 650 E in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 12, 2015 · 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	2 in force

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 12434 N Co Rd 650 E 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
Adjoins Burnable Land	Yes

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Perry-Spencer Rural Telephone Cooperative Fiber	1,000 / 100
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Co Rd 650 E

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