168 E Jefferson St, Spencer, IN 47460 Property Records

Owen County property record for 168 E Jefferson St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,166 sqft · built 1920
Lot Size	0.142 acres (6,186 sqft)
Owner	Individual Name on Record
Tax Bill	$625 (2025)
Deeds & Mortgages	Jul 2022 Second Mortgage Jul 2019 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`60-10-20-400-400.662-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.662-028`
Alternative APN	`00001036223`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,166 sqft Living Area
1st Floor Area	1,166 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1955
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	6,186 sqft (0.142 acres)
Lot Dimensions	91 ft deep x 68 ft wide
Garage Type	Detached
Garage Area	326 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001036223
Street Address	168 E JEFFERSON ST
City	SPENCER
State	IN
Zip	47460-1840
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER PT LOT 68
Legal Subdivision	SPENCER
Legal Lot Number	68
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4042
Census Tract	955800

Owner

Source: Owen County records, 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 Record
Mailing Address	168 E JEFFERSON ST, SPENCER, IN 47460-1840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAXTER CU
Jul 3, 2019	Deed of Trust, Mortgage · Line of Credit BAXTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	168 E JEFFERSON ST, SPENCER, IN 47460-1840
Transaction Type	Mortgage
Record Updated	Jul 15, 2022
Title Company	MIS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000229925
Date	Jul 6, 2022
Instrument	229925

Lender

Name	BAXTER CU
Type	Credit Union
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2032

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	168 E JEFFERSON ST, SPENCER, IN 47460-1840
Transaction Type	Mortgage
Record Updated	Jul 31, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	216947
Date	Jul 3, 2019
Instrument	216947

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 30, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$625.00 (+2.12%) Homeowner's exemption	$105,600 (+22.79%) Land $13,600 Building $92,000	$105,600 (+22.79%) Land $13,600 Building $92,000
2024	$612.00 (+14.82%)
2023	$533.00 (+44.84%)	$86,000 Land $10,000 Building $76,000	$86,000 Land $10,000 Building $76,000
2022	$368.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	49 (1993–2025)
Claims Outside the SFHA	3 of 49
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 24 claims Severe Winter Storms And Flooding, Jan 2005 · 16 claims Severe Storms, Tornadoes, And Flooding, Sep 2003 · 2 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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: South Central Indiana REMC, T-Mobile.

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