Owen County property record for 1458 River Rd, Spencer, IN 47460
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2 ba · 2,440 sqft · built 2004 |
| Lot Size | 11.5 acres (500,940 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,310 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Aug 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-10-28-100-030.000-027 |
| Primary APN | 60-10-28-100-030.000-027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,440 sqft Living Area |
| 1st Floor Area | 2,440 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Wood |
| Roof Material | Metal |
| Lot Area | 500,940 sqft (11.5 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
|---|---|
| Shed Area | 80 sqft |
| Granary | Granary |
| Lean-To | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00001026635 |
|---|---|
| Street Address | 1458 RIVER RD |
| City | SPENCER |
| State | IN |
| Zip | 47460-6605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | IN E 1/2 NE S28 T10 R3 11.50A |
| Legal Range | 3 |
| Legal Township | 10 |
| Legal Section | 28 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 955900 |
1458 River Rd, a rural home, is owned and occupied by two individuals who acquired it in April 2026.
Source: Owen County records, as of June 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1458 RIVER RD, SPENCER, IN 47460-6605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Aug 8, 2022 | Deed of Trust, Mortgage · Line of Credit INDIANA UNIVERSITY CU |
| Oct 26, 2015 | Deed of Trust, Mortgage FIRST MERCHANTS BANK NA |
| Feb 11, 2010 | Deed of Trust, Mortgage · Line of Credit HOME BANK SB |
| Apr 15, 2026 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Nov 9, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2026 |
| Deed Sale | Apr 15, 2026 |
| Prior Sale | Nov 9, 2020 · Amount on File |
| Deed Document Number | 2026243360 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 1458 RIVER RD, SPENCER, IN 47460-6605 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000217959 |
|---|---|
| Date | Oct 3, 2019 |
| Instrument | 217959 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 1458 RIVER RD, SPENCER, IN 47460-6605 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000230269 |
|---|---|
| Date | Aug 8, 2022 |
| Instrument | 230269 |
| Name | INDIANA UNIVERSITY CU |
|---|---|
| Type | Credit Union |
| Address | BLOOMINGTON, IN 47401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 7, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 1458 RIVER RD, SPENCER, IN 47460-6605 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000203179 |
|---|---|
| Date | Oct 26, 2015 |
| Instrument | 203179 |
| Name | FIRST MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | MORGANTOWN, IN 46160 |
| Amount | Amount on Record |
|---|---|
| Term | 241 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 1458 RIVER RD, SPENCER, IN 47460-6605 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000182645 |
|---|---|
| Date | Feb 11, 2010 |
| Instrument | 182645 |
| Name | HOME BANK SB |
|---|---|
| Address | MARTINSVILLE, IN 46151 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Apr 15, 2026 |
| Property Address | 1458 RIVER RD, SPENCER, IN 47460-6605 |
| Document Number | 0000243360 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 2026243360 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1458 RIVER RD, SPENCER, IN 47460-6605 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Nov 9, 2020 |
| Property Address | 1458 RIVER RD, SPENCER, IN 47460-6605 |
| Document Number | 0000222477 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 222477 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1458 RIVER RD, SPENCER, IN 47460-6605 |
| Document Number | 0000222478 |
|---|---|
| Date | Nov 9, 2020 |
| Instrument | 222478 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 1458 River Rd was $2,310 with a homeowner's exemption, down 14.4% from the year before.
Source: Owen County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Washington Township |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,310.00 (-14.41%) Homeowner's exemption | $351,900 Land $34,200 Building $317,700 | $351,900 Land $34,200 Building $317,700 |
| 2024 | $2,699.00 (+3.45%) | ||
| 2023 | $2,609.00 (-2.65%) | $321,000 Land $28,700 Building $292,300 | $321,000 Land $28,700 Building $292,300 |
| 2022 | $2,680.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1458 River Rd in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2008 · 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 risk around 1458 River Rd 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 11 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 |
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