207 E Franklin St, Spencer, IN 47460 Property Records

Owen County property record for 207 E Franklin St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,362 sqft · built 1950
Lot Size	0.098 acres (4,269 sqft)
Owner	Individual Name on Record
Last Sale	$128,700 (Jun 2021)
Tax Bill	$797 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-400-400.530-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.530-028`
Alternative APN	`00001037075`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,362 sqft Living Area
1st Floor Area	1,362 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Construction Type	Concrete Block
Roof Material	Metal
Lot Area	4,269 sqft (0.098 acres)
Lot Dimensions	68 ft deep x 63 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001037075
Street Address	207 E FRANKLIN ST
City	SPENCER
State	IN
Zip	47460-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 SPENCER LOT 36
Legal Lot Number	36
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4031
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	Individual Name on Record
Mailing Address	207 E FRANKLIN ST, SPENCER, IN 47460-1819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2021 · Amount on Record
Deed Sale	Jun 17, 2021 · Amount on Record
Deed Document Number	2021225278
Record Updated	Sep 20, 2026

June 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	OWEN IN
Recording Date	Jun 17, 2021
Property Address	207 E FRANKLIN ST, SPENCER, IN 47460-1819
Document Number	0000225278
Map Reference	DD 1 PG 14
Instrument Date	Jun 10, 2021
Instrument	225278
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Amount	Amount Recorded
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	207 E FRANKLIN ST, SPENCER, IN 47460-1819

Mortgage

Document Number	0000225279
Date	Jun 17, 2021
Instrument	225279

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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	$797.00 (-2.09%) Homeowner's exemption	$121,500 (+23.98%) Land $12,600 Building $108,900	$121,500 (+23.98%) Land $12,600 Building $108,900
2024	$814.00 (+15.95%)
2023	$702.00 (+65.96%)	$98,000 Land $9,100 Building $88,900	$98,000 Land $9,100 Building $88,900
2022	$423.00

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 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.

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