15 E Hillside Ave, Spencer, IN 47460 Property Records

Owen County property record for 15 E Hillside Ave, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,052 sqft · built 1910
Lot Size	0.613 acres (26,702 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Apr 2017)
Tax Bill	$2,757 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-100-400.039-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-100-400.039-028`
Alternative APN	`00001037808`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,052 sqft Living Area
1st Floor Area	2,052 sqft
Basement Area	1,026 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Asphalt
Lot Area	26,702 sqft (0.613 acres)
Lot Dimensions	300 ft deep x 89 ft wide
Terrain	High
Garage Type	Carport
Garage Area	504 sqft
Carport	Carport
Carport Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001037808
Street Address	15 E HILLSIDE AVE
City	SPENCER
State	IN
Zip	47460-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER HEIGHTS LOT 1 SPENCER HEIGHTS W 1/2 LOT 2.
Legal Subdivision	SPENCER HEIGHTS ADDITION
Legal Lot Number	1,2
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2003
Census Tract	955800

Owner

Source: Owen County assessment roll, as of June 23, 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 File
Mailing Address	15 E HILLSIDE AVE, SPENCER, IN 47460-1417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage OWEN COUNTY STATE BANK
Apr 22, 2019	Deed of Trust, Mortgage · Commercial Mortgage OWEN COUNTY STATE BANK
Mar 30, 2022	Deed of Trust, Mortgage · Line of Credit OWEN COUNTY STATE BANK
Apr 12, 2017	Warranty Deed, Transfer · Conventional Mortgage OWEN COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 12, 2017 · Amount on Record
Deed Sale	Apr 12, 2017 · Amount on Record
Deed Document Number	2017208539
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	15 E HILLSIDE AVE, SPENCER, IN 47460-1417
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000218178
Date	Oct 25, 2019
Instrument	218178

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 21, 2039

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 21, 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%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	15 E HILLSIDE AVE, SPENCER, IN 47460-1417
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000215976
Date	Apr 22, 2019
Instrument	215976

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 19, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	15 E HILLSIDE AVE, SPENCER, IN 47460-1417
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 E HILLSIDE AVE, SPENCER, IN 47460-1417

Mortgage

Document Number	0000228739
Date	Mar 30, 2022
Instrument	228739

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 30, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Apr 12, 2017
Property Address	15 E HILLSIDE AVE, SPENCER, IN 47460-1417
Document Number	0000208539
Map Reference	DR74 PG136
Instrument Date	Apr 12, 2017
Instrument	208539
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV 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	15 E HILLSIDE AVE, SPENCER, IN 47460-1417

Mortgage

Document Number	0000208540
Date	Apr 12, 2017
Instrument	208540

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2047

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	$2,757.00 (+11.53%) Homeowner's exemption	$305,700 (+36.47%) Land $50,100 Building $255,600	$305,700 (+36.47%) Land $50,100 Building $255,600
2024	$2,472.00 (+10.36%)
2023	$2,240.00 (+40.88%)	$224,000 Land $40,600 Building $183,400	$224,000 Land $40,600 Building $183,400
2022	$1,590.00

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	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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: South Central Indiana Rural Electric Membership.

Cell Coverage

5G (outdoors only) and 4G LTE

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