2166 S Cataract Rd, Spencer, IN 47460 Property Records

Owen County property record for 2166 S Cataract Rd, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,362 sqft · built 2007
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,300 (May 2025)
Tax Bill	$1,690 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`60-06-12-200-130.010-021`

Property Details

APN / Parcel Number

Primary APN	`60-06-12-200-130.010-021`
Alternative APN	`00001004459`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,362 sqft Living Area
1st Floor Area	2,362 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Lean-To	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001004459
Street Address	2166 S CATARACT RD
City	SPENCER
State	IN
Zip	47460-5706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW S12 T11 R4 1.00A
Legal Range	4
Legal Township	11
Legal Section	12
Jurisdiction	OWEN IN
Township / Civil Division	JENNINGS
Census Block Group	1
Census Block	1007
Census Tract	955600

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	2 Individual Names on Record
Mailing Address	2166 S CATARACT RD, SPENCER, IN 47460-5706
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Line of Credit INDIANA MEMBERS CREDIT UNION
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage INDIANA UNIVERSITY CU
Dec 27, 2018	Deed of Trust, Mortgage · Line of Credit INDIANA UNIVERSITY CU
Mar 10, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2025 · Amount on Record
Deed Sale	May 1, 2025 · Amount on Record
Prior Sale	Mar 10, 2021 · Amount on Record
Deed Document Number	2025239916
Prior Transfer Date	Jul 30, 2009
Prior Transfer Doc	0000184388
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Recording Date	Jul 15, 2026
Property Address	2166 S CATARACT RD, SPENCER, IN 47460-5706
Document Number	0000244310
Instrument Date	Jul 10, 2026
Instrument	2026244310
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2166 S CATARACT RD, SPENCER, IN 47460-5706

Mortgage

Document Number	0000244310,
Date	Jul 15, 2026
Instrument	2026244310

Lender

Name	INDIANA MEMBERS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2056

Interest

Rate	6.52%
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	2166 S CATARACT RD, SPENCER, IN 47460-5706
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000222167
Date	Oct 16, 2020
Instrument	222167

Lender

Name	INDIANA UNIVERSITY CU
Type	Credit Union
Address	BLOOMINGTON, IN 47402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	2166 S CATARACT RD, SPENCER, IN 47460-5706
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000215051
Date	Dec 27, 2018
Instrument	215051

Lender

Name	INDIANA UNIVERSITY CU
Type	Credit Union
Address	BLOOMINGTON, IN 47401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 26, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Mar 10, 2021
Property Address	2166 S CATARACT RD, SPENCER, IN 47460-5706
Document Number	0000223974
Instrument Date	Mar 1, 2021
Instrument	223974
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	QUALITY TITLE INSURANCE

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	2166 S CATARACT RD, SPENCER, IN 47460-5706

Mortgage

Document Number	0000223975
Date	Mar 10, 2021
Instrument	223975

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Owen County
County Subdivision	Jennings Township
Unified School District	Cloverdale Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,690.00 (-25.68%) Homeowner's exemption	$300,800 (-6.15%) Land $25,000 Building $275,800	$300,800 (-6.15%) Land $25,000 Building $275,800
2024	$2,274.00 (+1.52%)
2023	$2,240.00 (+16.85%)	$320,500 Land $20,000 Building $300,500	$320,500 Land $20,000 Building $300,500
2022	$1,917.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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
Adjoins Burnable Land	Yes

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Endeavor Communications Fiber	1,000 / 1,000
South Central Indiana REMC Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Cataract Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures