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197 E Fall Creek Rd, Spencer, IN 47460 Property Records

Owen County property record for 197 E Fall Creek Rd, Spencer, IN 47460

Property Summary

Property TypeRural Home
Details2 bd · 2 ba · 528 sqft · built 1964
Lot Size11.2 acres (487,872 sqft)
OwnerIndividual Name on File
Last Sale$347,500 (Jan 2022)
Tax Bill$3,238 (2025)
Deeds & MortgagesJan 2022 Mortgage
Jul 2017 Transfer
Flood ZoneZone X (minimal risk)
APN60-10-08-400-210.000-027

Property Details

APN / Parcel Number

Primary APN60-10-08-400-210.000-027
Alternative APN
  • 00001026148

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures15 Plumbing Fixtures
Total Rooms1 Room
Stories1 Story
Building Area528 sqft Living Area
1st Floor Area528 sqft
Fireplaces2 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 1964
Construction TypeWood
Roof MaterialAsphalt
Lot Area487,872 sqft (11.2 acres)
TerrainRolling
Total Buildings2 Buildings

Utilities, Heating & Cooling

Heating SystemGravity Furnace

Location & Zoning

Account Number00001026148
Street Address197 E FALL CREEK RD
CitySPENCER
StateIN
Zip47460-7179
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionIN S 1/2 S8 T10 R3 .10A IN NW SE S8 T10 R3 11.10A
Legal Range3
Legal Township10
Legal Section8
JurisdictionOWEN IN
Township / Civil DivisionWASHINGTON
Census Block Group2
Census Block2000
Census Tract955800

Owner

197 E Fall Creek Rd, a rural home, is owned by an individual who bought it in January 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Mailing Address4103 VICTORIA LN, AVON, IN 46123-9400
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 13, 2022Warranty Deed, Transfer · VA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 10, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 13, 2022 · Amount on File
Deed SaleJan 13, 2022 · Amount on File
Deed Document Number2022227846
Record UpdatedSep 20, 2026

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOWEN IN
Recording DateJan 13, 2022
Property Address197 E FALL CREEK RD, SPENCER, IN 47460-7179
Document Number0000227846
Instrument DateDec 22, 2021
Instrument227846
Transaction TypeTransfer
Record UpdatedJan 27, 2022

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address197 E FALL CREEK RD, SPENCER, IN 47460-7179

Mortgage

Document Number0000227847
DateJan 13, 2022
Instrument227847
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2052

July 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOWEN IN
Recording DateJul 10, 2017
Property Address197 E FALL CREEK RD, SPENCER, IN 47460-7179
Document Number209542
Instrument DateJul 10, 2017
Instrument209542
Transaction TypeTransfer
Record UpdatedDec 10, 2021

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address1745 PINE MEADOW DR, INDIANAPOLIS, IN 46234-1267

Tax Assessment & Valuation

The 2025 property tax bill for 197 E Fall Creek Rd was $3,238, down 9% from the year before.

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

Property Jurisdictions

TypeName
StateIndiana
CountyOwen County
County SubdivisionWashington Township
Unified School DistrictSpencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,238.00 (-9.02%)$251,400 Land $63,100 Building $188,300$251,400 Land $63,100 Building $188,300
2024$3,559.00 (-1.44%)
2023$3,611.00 (+6.39%)$236,200 Land $52,700 Building $183,500$236,200 Land $52,700 Building $183,500
2022$3,394.00

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

Flood

FEMA maps place 197 E Fall Creek Rd in Zone X, an area of minimal flood risk, though there have been 32 flood claims nearby since 1991.

Source: FEMA National Flood Hazard Layer, effective August 9, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies5 in force
Nearby Flood Claims32 (1991–2026)
Claims Outside the SFHA1 of 32
Most Recent ClaimAug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event
  • Severe Storms, Flooding, And Tornadoes, Jun 2008 · 6 claims
  • Severe Winter Storms And Flooding, Jan 2005 · 7 claims
  • Severe Storms And Tornadoes, And Flooding, Jun 1998 · 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 197 E Fall Creek Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 9 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
South Central Indiana REMC
Fiber		1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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