1390 Shepard Patrick Rd, Spencer, IN 47460 Property Records

Owen County property record for 1390 Shepard Patrick Rd, Spencer, IN 47460

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,743 sqft · built 2019
Lot Size	24.1 acres (1,052,410 sqft)
Owner	2 Individual Names on Record
Last Sale	$55,700 (Sep 2012)
Tax Bill	$2,893 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-07-300-170.000-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-07-300-170.000-027`
Alternative APN	`00001026874`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,743 sqft Living Area
1st Floor Area	1,743 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	1,052,410 sqft (24.1 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,128 sqft
Parking Spaces	5 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001026874
Street Address	1390 SHEPARD PATRICK RD
City	SPENCER
State	IN
Zip	47460-7128
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SW SW S7 T10 R3 24.16A
Legal Range	3
Legal Township	10
Legal Section	7
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1026
Census Tract	955701

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1390 SHEPARD PATRICK RD, SPENCER, IN 47460-7128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2020	Deed of Trust, Mortgage · Line of Credit FARM CREDIT MID AMERICA FLCA
Nov 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage OWEN COUNTY STATE BANK
Nov 16, 2018	Deed of Trust, Mortgage · Construction Mortgage OWEN COUNTY STATE BANK
Dec 22, 2020	Warranty Deed, Transfer · Commercial Mortgage FARM CREDIT MID AMERICA FLCA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2012 · Amount on Record
Deed Sale	Sep 20, 2012 · Amount on Record
Deed Document Number	2012192189
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	1390 SHEPARD PATRICK RD, SPENCER, IN 47460-7128
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000222729
Date	Dec 2, 2020
Instrument	222729

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank
Address	LOUISVILLE, KY 40299

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	1390 SHEPARD PATRICK RD, SPENCER, IN 47460-7128
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000218466
Date	Nov 15, 2019
Instrument	218466

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2024
Change Frequency	5 Years
Min Rate At Change	4.62%
Max Rate At Change	6.62%
Index	5-Year CMT
Max Rate	10.6%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	1390 SHEPARD PATRICK RD, SPENCER, IN 47460-7128
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000214642
Date	Nov 16, 2018
Instrument	214642

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Aug 13, 2019

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Dec 22, 2020
Property Address	1390 SHEPARD PATRICK RD, SPENCER, IN 47460-7128
Document Number	0000222979
Instrument Date	Dec 4, 2020
Instrument	222979
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1390 SHEPARD PATRICK RD, SPENCER, IN 47460-7128

Mortgage

Document Number	0000222980
Date	Dec 22, 2020
Instrument	222980

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2046

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
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,893.00 (-13.8%) Homeowner's exemption	$421,800 (+11.82%) Land $48,500 Building $373,300	$421,800 (+11.82%) Land $48,500 Building $373,300
2024	$3,356.00 (+3.39%)
2023	$3,246.00 (-2.64%)	$377,200 Land $41,500 Building $335,700	$377,200 Land $41,500 Building $335,700
2022	$3,334.00

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	3 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Jun 2021 · 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.

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

Provider	Max Down / Up (Mbps)
South Central Indiana REMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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