188 E Hillside Ave, Spencer, IN 47460 Property Records

Owen County property record for 188 E Hillside Ave, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,900 sqft · built 1880
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Tax Bill	$2,022 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Aug 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-400-400.510-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.510-028`
Alternative APN	`00001037772`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,900 sqft Living Area
1st Floor Area	1,900 sqft
Basement Area	870 sqft
Unfinished Basement	870 sqft
Family Room	Family Room

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1980
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001037772
Street Address	188 E HILLSIDE AVE
City	SPENCER
State	IN
Zip	47460-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEEMS ADD OUTLOT PT LOT 2
Legal Subdivision	BEEMS ADD
Legal Lot Number	2
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4008
Census Tract	955800

Owner

Source: Owen County records, as of August 18, 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	188 E HILLSIDE AVE, SPENCER, IN 47460-1420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2020	Deed of Trust, Mortgage · Line of Credit THE PEOPLES STATE BANK
Aug 29, 2023	Warranty Deed, Transfer · FHA Mortgage MILESTONE HOME LENDING LLC
Aug 30, 2023	Re-recorded Document
Jul 10, 2019	Intrafamily Transfer, Transfer
Jul 10, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2023
Deed Sale	Aug 30, 2023
Prior Sale	Aug 29, 2023 · Amount on Record
Deed Document Number	2023234142
Prior Transfer Date	Jul 1, 2019
Prior Transfer Doc	0000217009
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	188 E HILLSIDE AVE, SPENCER, IN 47460-1420
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000222040
Date	Oct 7, 2020
Instrument	222040

Lender

Name	THE PEOPLES STATE BANK
Type	Bank
Address	ELLETTSVILLE, IN 47429

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Aug 29, 2023
Property Address	188 E HILLSIDE AVE, SPENCER, IN 47460-1420
Document Number	0000234133
Instrument Date	Aug 28, 2023
Instrument	234133
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 E HILLSIDE AVE, SPENCER, IN 47460-1420

Mortgage

Document Number	0000234134
Date	Aug 29, 2023
Instrument	234134

Lender

Name	MILESTONE HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

August 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	OWEN IN
Recording Date	Aug 30, 2023
Property Address	188 E HILLSIDE AVE, SPENCER, IN 47460-1420
Document Number	0000234142
Instrument Date	Aug 28, 2023
Instrument	234142
Record Updated	Oct 20, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 E HILLSIDE AVE, SPENCER, IN 47460-1420

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OWEN IN
Recording Date	Jul 10, 2019
Property Address	188 E HILLSIDE AVE, SPENCER, IN 47460-1420
Document Number	0000217009
Instrument Date	Jul 1, 2019
Instrument	217009
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 E HILLSIDE AVE, SPENCER, IN 47460-1420

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jul 10, 2019
Property Address	188 E HILLSIDE AVE, SPENCER, IN 47460-1420
Document Number	0000217008
Instrument Date	Jun 21, 2019
Instrument	217008
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 E HILLSIDE AVE, SPENCER, IN 47460-1420

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	$2,022.00 (+6.98%) Homeowner's exemption	$234,400 (+33.79%) Land $16,800 Building $217,600	$234,400 (+33.79%) Land $16,800 Building $217,600
2024	$1,890.00 (+7.88%)
2023	$1,752.00 (+48.22%)	$175,200 (+47.6%) Land $23,700 Building $151,500	$175,200 (+47.6%) Land $23,700 Building $151,500
2022	$1,182.00 Homeowner's exemption	$118,700 Land $23,700 Building $95,000	$118,700 Land $23,700 Building $95,000

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: South Central Indiana REMC.

Cell Coverage

5G (outdoors only) and 4G LTE

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