Owen County property record for 1536 River Rd, Spencer, IN 47460
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 924 sqft · built 1990 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $199,500 (Dec 2025) |
| Tax Bill | $629 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Sep 2025 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-10-28-100-020.000-027 |
| Primary APN | 60-10-28-100-020.000-027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 924 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Basement Area | 208 sqft |
| Unfinished Basement | 208 sqft |
| Family Room | Family Room |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Metal |
| Lot Area | 21,780 sqft (0.5 acres) |
| Terrain | High |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Heating System | Central |
|---|
| Account Number | 00001030231 |
|---|---|
| Street Address | 1536 RIVER RD |
| City | SPENCER |
| State | IN |
| Zip | 47460-6709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN NE NE FRL S28 T10 R3 .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 |
1536 River Rd is owned and occupied by two individuals who bought it in December 2025.
Source: Owen County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1536 RIVER RD, SPENCER, IN 47460-6709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Dec 9, 2025 | Warranty Deed, Transfer · Conventional Mortgage OWEN COUNTY STATE BANK |
| Sep 29, 2025 | Warranty Deed, Transfer |
| Sep 15, 2023 | Warranty Deed, Transfer · Conventional Mortgage HALLMARK HOME MORTGAGE LLC |
| Apr 21, 2020 | Warranty Deed, Transfer · Land Contract WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2025 · Amount on File |
| Deed Sale | Dec 9, 2025 · Amount on File |
| Prior Sale | Sep 29, 2025 |
| Deed Document Number | 2025242154 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Dec 9, 2025 |
| Property Address | 1536 RIVER RD, SPENCER, IN 47460-6709 |
| Document Number | 0000242154 |
| Instrument Date | Dec 5, 2025 |
| Instrument | 242154 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| 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 |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1536 RIVER RD, SPENCER, IN 47460-6709 |
| Document Number | 0000242155 |
|---|---|
| Date | Dec 9, 2025 |
| Instrument | 242155 |
| Name | OWEN COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Sep 29, 2025 |
| Property Address | 1536 RIVER RD, SPENCER, IN 47460-6709 |
| Document Number | 0000241455 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 241455 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1698 N 100 E, WORTHINGTON, IN 47471 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Sep 15, 2023 |
| Property Address | 1536 RIVER RD, SPENCER, IN 47460-6709 |
| Document Number | 0000234300 |
| Instrument Date | Sep 7, 2023 |
| Instrument | 234300 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1536 RIVER RD, SPENCER, IN 47460-6709 |
| Investor | Possibly a Property Investor |
| Document Number | 0000234301 |
|---|---|
| Date | Sep 15, 2023 |
| Instrument | 234301 |
| Name | HALLMARK HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Apr 21, 2020 |
| Property Address | 1536 RIVER RD, SPENCER, IN 47460-6709 |
| Document Number | 0000220089 |
| Instrument Date | Apr 15, 2020 |
| Instrument | 220089 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Title Company | QUALITY TITLE INSURANCE |
| 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 | 1536 RIVER RD, SPENCER, IN 47460-6709 |
| Document Number | 0000220090 |
|---|---|
| Date | Apr 21, 2020 |
| Instrument | 220090 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Land Contract |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 1536 River Rd was $629 with a homeowner's exemption, up 26.3% 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 | $629.00 (+26.31%) Homeowner's exemption | $133,100 (+28.23%) Land $22,500 Building $110,600 | $133,100 (+28.23%) Land $22,500 Building $110,600 |
| 2024 | $498.00 (+9.93%) Homeowner's exemption | $103,800 (+7.34%) Land $18,800 Building $85,000 | $103,800 (+7.34%) Land $18,800 Building $85,000 |
| 2023 | $453.00 (+16.15%) | $96,700 (+12.97%) Land $18,800 Building $77,900 | $96,700 (+12.97%) Land $18,800 Building $77,900 |
| 2022 | $390.00 | $85,600 Land $18,800 Building $66,800 | $85,600 Land $18,800 Building $66,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1536 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 1536 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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