125 Ahern Ave, Spencer, IN 47460 Property Records

Owen County property record for 125 Ahern Ave, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,248 sqft · built 2023
Lot Size	0.331 acres (14,418 sqft)
Owner	Individual Name on Record
Last Sale	$250,705 (Aug 2023)
Tax Bill	$1,921 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-200-310.012-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-200-310.012-028`
Alternative APN	`00005838662`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	14,418 sqft (0.331 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00005838662
Street Address	125 AHERN AVE
City	SPENCER
State	IN
Zip	47460-6533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TEXAS PIKE SD LOT 12
Legal Subdivision	TEXAS PIKE SUBDIVISION
Legal Lot Number	12
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2002
Census Tract	955800

Owner

Source: Owen County records, as of October 12, 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 Record
Mailing Address	125 AHERN AVE, SPENCER, IN 47460-6533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage OWEN COUNTY STATE BANK
Aug 10, 2023	Warranty Deed, Transfer · Conventional Mortgage OWEN COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2023 · Amount on Record
Deed Sale	Aug 10, 2023 · Amount on Record
Deed Document Number	2023233907
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	125 AHERN AVE, SPENCER, IN 47460-6533
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000234293
Date	Sep 15, 2023
Instrument	234293

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank
Address	SPENCER, IN 47460

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 8, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2028
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	7.87%
Index	5-Year CMT
Max Rate	11.8%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Aug 10, 2023
Property Address	125 AHERN AVE, SPENCER, IN 47460-6533
Document Number	0000233907
Map Reference	DOC 230904
Instrument Date	Aug 8, 2023
Instrument	233907
Transaction Type	Transfer
Record Updated	Feb 26, 2026

Transaction

Amount	Amount Recorded
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	125 AHERN AVE, SPENCER, IN 47460-6533

Mortgage

Document Number	0000233908
Date	Aug 10, 2023
Instrument	233908

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Aug 1, 2028
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	7.87%
Index	5-Year CMT
Max Rate	11.8%

Tax Assessment & Valuation

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	$1,921.00	$225,100 Land $11,700 Building $213,400	$225,100 Land $11,700 Building $213,400

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

Flood

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	5 in force
Nearby Flood Claims	32 (1991–2026)
Claims Outside the SFHA	1 of 32
Most Recent Claim	Aug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 6 claims Severe Winter Storms And Flooding, Jan 2005 · 7 claims Severe Storms And Tornadoes, And Flooding, Jun 1998 · 3 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 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

May also be available: Endeavor Communications.

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