189 S Main St, Spencer, IN 47460 Property Records

Owen County property record for 189 S Main St, Spencer, IN 47460

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,058 sqft · built 1977
Lot Size	0.093 acres (4,051 sqft)
Owner	Company Name on Record
Last Sale	$95,000 (Aug 2017)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2026 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-400-400.591-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.591-028`
Alternative APN	`00001034918`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,058 sqft Total Area
1st Floor Area	2,058 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	4,051 sqft (0.093 acres)
Lot Dimensions	126 ft deep x 32 ft wide

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001034918
Street Address	189 S MAIN ST
City	SPENCER
State	IN
Zip	47460-1731
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	SPENCER PT LOT 173 (32.10' X 126')
Legal Subdivision	TOWN OF SPENCER
Legal Lot Number	173
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3032
Census Tract	955800

Owner

Source: Owen County records, as of August 14, 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	PO BOX 313, SPENCER, IN 47460-0313
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage OWEN COUNTY STATE BANK
Apr 29, 2026	Deed of Trust, Mortgage · Construction Mortgage OWEN COUNTY STATE BANK
Aug 29, 2017	Warranty Deed, Transfer · Commercial Mortgage OWEN COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2017 · Amount on Record
Deed Sale	Aug 29, 2017 · Amount on Record
Deed Document Number	2017210154
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Recording Date	Aug 3, 2026
Property Address	189 S MAIN ST, SPENCER, IN 47460-1731
Document Number	0000244503
Instrument Date	Apr 23, 2026
Instrument	2026244503
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103

Mortgage

Document Number	0000244503,
Date	Aug 3, 2026
Instrument	2026244503

Lender

Name	OWEN COUNTY STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Recording Date	Apr 29, 2026
Property Address	189 S MAIN ST, SPENCER, IN 47460-1731
Document Number	0000243501
Instrument Date	Apr 23, 2026
Instrument	2026243501
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103

Mortgage

Document Number	0000243501,
Date	Apr 29, 2026
Instrument	2026243501

Lender

Name	OWEN COUNTY STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Jul 23, 2026

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Aug 29, 2017
Property Address	189 S MAIN ST, SPENCER, IN 47460-1731
Document Number	210154
Instrument Date	Aug 23, 2017
Instrument	210154
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 313, SPENCER, IN 47460-0313

Mortgage

Document Number	210155
Date	Aug 29, 2017
Instrument	210155

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 25, 2037

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	$54,700 (+31.49%) Land $8,500 Building $46,200	$54,700 (+31.49%) Land $8,500 Building $46,200
2023		$41,600 Land $8,700 Building $32,900	$41,600 Land $8,700 Building $32,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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
Adjoins Burnable Land	Yes

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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