206 E Franklin St, Spencer, IN 47460 Property Records

Owen County property record for 206 E Franklin St, Spencer, IN 47460

Property Summary

Property Type	Commercial
Details	2 bd · 1 ba · 1,509 sqft · built 2012
Lot Size	0.197 acres (8,581 sqft)
Owner	Company Name on Record
Tax Bill	$363 (2025)
Deeds & Mortgages	Jan 2026 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-400-400.532-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.532-028`
Alternative APN	`00001034974`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,509 sqft Living Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Construction Type	Stone
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	8,581 sqft (0.197 acres)
Lot Dimensions	126 ft deep x 68 ft wide
Garage Type	Mixed
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001034974
Street Address	206 E FRANKLIN ST
City	SPENCER
State	IN
Zip	47460-1820
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SPENCER LOT 37
Legal Subdivision	TOWN OF SPENCER
Legal Lot Number	37
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4035
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	PO BOX 597, SPENCER, IN 47460-0597
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · Non-Conforming Investor Loan THE HUNTINGTON NATIONAL BANK
May 18, 2018	Deed of Trust, Mortgage · Commercial Mortgage OWEN COUNTY STATE BANK
Oct 25, 2018	Deed of Trust, Mortgage · Commercial Mortgage OWEN COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2012
Deed Sale	Sep 12, 2012
Deed Document Number	2012192116
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	206 E FRANKLIN ST, SPENCER, IN 47460-1820
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000242550
Date	Jan 29, 2026
Instrument	242550

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	54 Months
Due	Jul 8, 2030

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	206 E FRANKLIN ST, SPENCER, IN 47460-1820
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212893
Date	May 18, 2018
Instrument	212893

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 10, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	206 E FRANKLIN ST, SPENCER, IN 47460-1820
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000214442
Date	Oct 25, 2018
Instrument	214442

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	246 Months
Due	Apr 17, 2039

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	$363.00 (+8.36%)	$18,100 (+11.73%) Land $14,700 Building $3,400	$18,100 (+11.73%) Land $14,700 Building $3,400
2024	$335.00 (-11.61%)
2023	$379.00 (-5.01%)	$16,200 Land $16,000 Building $200	$16,200 Land $16,000 Building $200
2022	$399.00

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 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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