187 N County Line Rd E, Spencer, IN 47460 Property Records

Owen County property record for 187 N County Line Rd E, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,082 sqft · built 1994
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on File
Last Sale	$249,300 (Aug 2015)
Tax Bill	$1,772 (2025)
Deeds & Mortgages	Dec 2020 Second Mortgage Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-10-24-400-580.010-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-24-400-580.010-027`
Alternative APN	`00001030784`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,082 sqft Living Area
1st Floor Area	2,082 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)
Garage Type	Mixed
Garage Area	1,056 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001030784
Street Address	187 N COUNTY LINE RD E
City	SPENCER
State	IN
Zip	47460-7408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE S24 T10 R3 1.04A AKA TRACT 1
Legal Range	3
Legal Township	10
Legal Section	24
Legal Tract	1
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1014
Census Tract	955800

Owner

187 N County Line Rd E is owned and occupied by an individual who bought it in August 2015.

Source: Owen County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	187 N COUNTY LINE RD E, SPENCER, IN 47460-7408
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage INDIANA UNIVERSITY CU
Feb 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage ENDEAVOR CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2015 · Amount on File
Deed Sale	Aug 13, 2015 · Amount on File
Deed Document Number	2015202382
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	187 N COUNTY LINE RD E, SPENCER, IN 47460-7408
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000222760
Date	Dec 3, 2020
Instrument	222760

Lender

Name	INDIANA UNIVERSITY CU
Type	Credit Union
Address	BLOOMINGTON, IN 47402

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	187 N COUNTY LINE RD E, SPENCER, IN 47460-7408
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000228179
Date	Feb 11, 2022
Instrument	228179

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 187 N County Line Rd E was $1,772 with a homeowner's exemption, down 18.8% from the year before.

Source: Owen County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Owen County
County Subdivision	Washington Township
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,772.00 (-18.79%) Homeowner's exemption	$287,200 Land $30,400 Building $256,800	$287,200 Land $30,400 Building $256,800
2024	$2,182.00 (+6.86%)
2023	$2,042.00 (+3.76%)	$269,400 Land $25,400 Building $244,000	$269,400 Land $25,400 Building $244,000
2022	$1,968.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 187 N County Line Rd E in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 2003.

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	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	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Apr 2025 · 2 claims Severe Storms, Flooding, And Tornadoes, Jun 2008 · 7 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

Wildfire risk around 187 N County Line Rd E 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Smithville Communications Fiber	1,000 / 1,000
South Central Indiana REMC Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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