2207 Freeman Rd, Spencer, IN 47460 Property Records

Owen County property record for 2207 Freeman Rd, Spencer, IN 47460

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 4,308 sqft · built 1988
Lot Size	23.4 acres (1,021,046 sqft)
Owner	Individual Name on File
Tax Bill	$4,167 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-17-03-100-030.000-016`

Property Details

APN / Parcel Number

Primary APN	`60-17-03-100-030.000-016`
Alternative APN	`00000980288`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	4,308 sqft Living Area
1st Floor Area	4,308 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1995
Construction Type	Brick
Roof Material	Asphalt
Lot Area	1,021,046 sqft (23.4 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	140 sqft
Lean-To	1,024 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000980288
Street Address	2207 FREEMAN RD
City	SPENCER
State	IN
Zip	47460-7435
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT W 1/2 NW S3 T9 R3 23.44A
Legal Range	3
Legal Township	9
Legal Section	3
Jurisdiction	OWEN IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1014
Census Tract	955900

Owner

Source: Owen County records · APN 60-17-03-100-030.000-016

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	2207 FREEMAN RD, SPENCER, IN 47460-7435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Deed of Trust, Mortgage · Line of Credit OWEN COUNTY STATE BANK
Sep 08, 2021	Deed of Trust, Mortgage · Line of Credit THE PEOPLES STATE BANK
Nov 19, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 19, 2020
Deed Sale	Nov 19, 2020
Deed Document Number	2020222587
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	2207 FREEMAN RD, SPENCER, IN 47460-7435
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000222933
Date	Dec 18, 2020
Instrument	222933

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Dec 11, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	2207 FREEMAN RD, SPENCER, IN 47460-7435
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 FREEMAN RD, SPENCER, IN 47460-7435

Mortgage

Document Number	226357
Date	Sep 08, 2021
Instrument	226357

Lender

Name	THE PEOPLES STATE BANK
Type	Bank
Address	ELLETTSVILLE, IN 47429

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 05, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Nov 19, 2020
Property Address	2207 FREEMAN RD, SPENCER, IN 47460-7435
Document Number	222587
Instrument Date	Nov 17, 2020
Instrument	222587
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 FREEMAN RD, SPENCER, IN 47460-7435

Tax Assessment & Valuation

Source: Owen County records · Assessment roll updated June 23, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,167.00 (-13.74%) Homeowner's exemption	$578,700 (+8.78%) Land $72,300 Building $506,400	$578,700 (+8.78%) Land $72,300 Building $506,400
2024	$4,831.00 (+6.29%)
2023	$4,545.00 (+7.52%)	$532,000 Land $62,900 Building $469,100	$532,000 Land $62,900 Building $469,100
2022	$4,227.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 9, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2008 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
South Central Indiana Rural Electric Membership Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile USA.

Based on FCC filings for 9 locations within half a mile of this property.

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