208 E Jefferson St, Spencer, IN 47460 Property Records

Owen County property record for 208 E Jefferson St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,028 sqft · built 2022
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$274,701 (Apr 2023)
Tax Bill	$2,175 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Sep 2022 Sale & Mortgage + 6 more
Flood Zone	Zone X (moderate risk)
APN	`60-10-20-400-400.645-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.645-028`
Alternative APN	`00001038338`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,028 sqft Living Area
1st Floor Area	2,028 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Mobile Home
Construction Type	Wood
Roof Material	Other
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	76 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001038338
Street Address	208 E JEFFERSON ST
City	SPENCER
State	IN
Zip	47460-1842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER PT LOT 45 AKA LOT 45A .06A
Legal Subdivision	SPENCER
Legal Lot Number	45,45A
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4043
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	204 E JEFFERSON ST, SPENCER, IN 47460-1842
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2023	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Sep 20, 2022	Warranty Deed, Transfer · Conventional Mortgage GVC MORTGAGE INC
Nov 22, 2021	Intrafamily Transfer, Transfer
Nov 22, 2021	Warranty Deed, Transfer
Oct 17, 2019	Quit Claim Deed, Transfer Quitclaim
Oct 31, 2018	Quit Claim Deed, Transfer Quitclaim
Jun 18, 2018	Guardian's Deed, Transfer
Jun 18, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2023 · Amount on Record
Deed Sale	Apr 26, 2023 · Amount on Record
Prior Sale	Sep 20, 2022 · Amount on Record
Deed Document Number	2023232795
Prior Transfer Date	Nov 16, 2021
Prior Transfer Doc	0000227257
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Apr 26, 2023
Property Address	208 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	0000232795
Instrument Date	Apr 13, 2023
Instrument	232795
Transaction Type	Transfer
Record Updated	Jun 2, 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
Relationship	Joint Tenants with Right of Survivorship
Address	204 E JEFFERSON ST, SPENCER, IN 47460-1842

Mortgage

Document Number	0000232796
Date	Apr 26, 2023
Instrument	232796

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Sep 20, 2022
Property Address	208 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	0000230733
Map Reference	DOC 227258
Instrument Date	Sep 19, 2022
Instrument	230733
Transaction Type	Transfer
Record Updated	May 23, 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
Relationship	Joint Tenants with Right of Survivorship
Address	208 E JEFFERSON ST, SPENCER, IN 47460-1842

Mortgage

Document Number	0000230734
Date	Sep 20, 2022
Instrument	230734

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OWEN IN
Recording Date	Nov 22, 2021
Property Address	208 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	0000227257
Map Reference	DD 1 PG 14
Instrument Date	Nov 16, 2021
Instrument	227257
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Nov 22, 2021
Property Address	208 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	0000227258
Map Reference	DD 1 PG 14
Instrument Date	Nov 15, 2021
Instrument	227258
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Amount	Amount Recorded
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	54 E MARKET ST, SPENCER, IN 47460-1775

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OWEN IN
Recording Date	Oct 17, 2019
Property Address	208 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	0000218100
Instrument Date	Aug 23, 2019
Instrument	218100
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3585 HYDEN RD, SPENCER, IN 47460-6282

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 E JEFFERSON ST, SPENCER, IN 47460-1842

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OWEN IN
Recording Date	Oct 31, 2018
Property Address	208 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	0000214496
Map Reference	DD 1 PG 14
Instrument Date	Oct 30, 2018
Instrument	214496
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3029 PATRICKSBURG RD, SPENCER, IN 47460-7078

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3585 HYDEN RD, SPENCER, IN 47460-6282

June 2018: Guardian's Deed, Transfer

Document Type	Guardian's Deed
Jurisdiction	OWEN IN
Recording Date	Jun 18, 2018
Property Address	208 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	0000213190
Map Reference	DD 1 PG 14
Instrument Date	Jun 18, 2018
Instrument	213190
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3029 PATRICKSBURG RD, SPENCER, IN 47460-7078

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OWEN IN
Recording Date	Jun 18, 2018
Property Address	208 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	0000213189
Map Reference	DD 1 PG 14
Instrument Date	Aug 31, 2017
Instrument	213189
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3029 PATRICKSBURG RD, SPENCER, IN 47460-7078

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	$2,175.00 (-5.1%) Homeowner's exemption	$248,500 (+17.66%) Land $7,100 Building $241,400	$248,500 (+17.66%) Land $7,100 Building $241,400
2024	$2,292.00 (+8.52%)
2023	$2,112.00 (+886.92%)	$211,200 Land $5,200 Building $206,000	$211,200 Land $5,200 Building $206,000
2022	$214.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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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