Owen County property record for 210 E Clay St, Spencer, IN 47460
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,048 sqft · built 2007 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $225,000 (Nov 2021) |
| Tax Bill | $1,541 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 60-10-29-100-600.000-028 |
| Primary APN | 60-10-29-100-600.000-028 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,048 sqft Living Area |
| 1st Floor Area | 2,048 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 126 ft deep x 68 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00001036668 |
|---|---|
| Street Address | 210 E CLAY ST |
| City | SPENCER |
| State | IN |
| Zip | 47460-1804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPENCER LOT 53 |
| Legal Lot Number | 53 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 4 |
| Census Block | 4058 |
| Census Tract | 955800 |
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 | 210 E CLAY ST, SPENCER, IN 47460-1804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 2021 · Amount on Record |
| Deed Sale | Nov 2, 2021 · Amount on Record |
| Deed Document Number | 2021227052 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Nov 2, 2021 |
| Property Address | 210 E CLAY ST, SPENCER, IN 47460-1804 |
| Document Number | 0000227052 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 227052 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 210 F CLAY STREET, F, SPENCER, IN 47460 |
| Document Number | 0000227053 |
|---|---|
| Date | Nov 2, 2021 |
| Instrument | 227053 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
Source: Owen County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Washington Township |
| Municipality | Spencer Town |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,541.00 (-0.71%) Homeowner's exemption | $190,100 (+37.26%) Land $22,000 Building $168,100 | $190,100 (+37.26%) Land $22,000 Building $168,100 |
| 2024 | $1,552.00 (+16.6%) | ||
| 2023 | $1,331.00 (+0.53%) | $138,500 Land $6,700 Building $131,800 | $138,500 Land $6,700 Building $131,800 |
| 2022 | $1,324.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 9, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
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