Owen County property record for 1545 River Rd, Spencer, IN 47460
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 3,614 sqft · built 2010 |
| Lot Size | 2.94 acres (128,066 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,719 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 60-10-28-100-010.001-027 |
| Primary APN | 60-10-28-100-010.001-027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,614 sqft Living Area |
| 1st Floor Area | 3,614 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Brick |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 128,066 sqft (2.94 acres) |
| Terrain | Rolling |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00001031864 |
|---|---|
| Street Address | 1545 RIVER RD |
| City | SPENCER |
| State | IN |
| Zip | 47460-6709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE S28 T10 R3 2.94A |
| Legal Range | 3 |
| Legal Township | 10 |
| Legal Section | 28 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 955800 |
1545 River Rd is owned and occupied by an individual who acquired it in June 2010.
Source: Owen County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1545 RIVER RD, SPENCER, IN 47460-6709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 26, 2010 |
| Transfer Doc | 183968 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1545 River Rd was $2,719 with a homeowner's exemption, down 15.7% 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 | $2,719.00 (-15.74%) Homeowner's exemption | $402,500 Land $47,500 Building $355,000 | $402,500 Land $47,500 Building $355,000 |
| 2024 | $3,227.00 (+4.84%) | ||
| 2023 | $3,078.00 (+1.68%) | $373,400 Land $39,700 Building $333,700 | $373,400 Land $39,700 Building $333,700 |
| 2022 | $3,027.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1545 River Rd in Zone X, an area of moderate flood risk, within 100 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 15 (2003–2025) |
| Claims Outside the SFHA | 4 of 15 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
| Claims by Event |
|
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 1545 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: 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 |
| 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.
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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