17 E Franklin St, Spencer, IN 47460 Property Records

Owen County property record for 17 E Franklin St, Spencer, IN 47460

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	7,704 sqft · built 1900
Lot Size	0.156 acres (6,795 sqft)
Owner	Company Name on Record
Last Sale	$110,000 (Oct 2017)
Deeds & Mortgages	Oct 2017 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-400-400.580-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.580-028`
Alternative APN	`00001034687`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	7,704 sqft Total Area
1st Floor Area	9,244 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1934
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	6,795 sqft (0.156 acres)
Lot Dimensions	136 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001034687
Street Address	17 E FRANKLIN ST
City	SPENCER
State	IN
Zip	47460-1723
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	SPENCER PT 143 & PT 144
Legal Subdivision	SPENCER
Legal Lot Number	143
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3025
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	Company Name on Record
Mailing Address	17 E FRANKLIN ST, SPENCER, IN 47460-1723
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2017	Deed of Trust, Mortgage · Commercial Mortgage OWEN COUNTY STATE BANK
Jan 6, 2021	Deed of Trust, Mortgage · Commercial Mortgage OWEN COUNTY STATE BANK
Aug 3, 2018	Deed of Trust, Mortgage · Commercial Mortgage OWEN COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2017 · Amount on Record
Deed Sale	Oct 2, 2017 · Amount on Record
Deed Document Number	20176772100
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	17 E FRANKLIN ST, SPENCER, IN 47460-1723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210507
Date	Oct 3, 2017
Instrument	210507

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 2, 2037

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	17 E FRANKLIN ST, SPENCER, IN 47460-1723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	223123
Date	Jan 6, 2021
Instrument	223123

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	17 E FRANKLIN ST, SPENCER, IN 47460-1723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	213679
Date	Aug 3, 2018
Instrument	213679

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2038

Interest

Rate Type	Adjustable Rate

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	Additional exemption filed	$166,000 (+36.74%) Land $12,500 Building $153,500	$166,000 (+36.74%) Land $12,500 Building $153,500
2023		$121,400 Land $12,800 Building $108,600	$121,400 Land $12,800 Building $108,600

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	3 in force
Nearby Flood Claims	16 (1993–2025)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 9 claims Severe Winter Storms And Flooding, Jan 2005 · 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

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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