248 E Jefferson St, Spencer, IN 47460 Property Records

Owen County property record for 248 E Jefferson St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 792 sqft · built 1945
Lot Size	0.073 acres (3,180 sqft)
Owner	Trust Name on File
Last Sale	$18,000 (Mar 2018)
Tax Bill	$1,546 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2018 Sale + 2 more
Flood Zone	Zone X (moderate risk)
APN	`60-10-20-400-400.644-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.644-028`
Alternative APN	`00001036629`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	792 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1985
Construction Type	Wood
Foundation Type	Raised
Roof Material	Metal
Lot Area	3,180 sqft (0.073 acres)
Lot Dimensions	64 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	234 sqft
Carport	Carport
Carport Area	234 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	375 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001036629
Street Address	248 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
Legal Subdivision	ORIGINAL PLAT TOWN SPENCER
Legal Lot Number	45
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4043
Census Tract	955800

Owner

248 E Jefferson St is held in a trust since March 2018.

Source: Owen County records, as of June 23, 2026

Owner of Record	Trust Name on File
Mailing Address	1141 N US HIGHWAY 231, SPENCER, IN 47460-6607
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2021	Deed of Trust, Mortgage CRANE CU
Mar 5, 2018	Deed, Transfer VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC
Mar 5, 2018	Special Warranty Deed, Transfer VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC
Jul 18, 2017	Foreclosure DENVER DIL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2018 · Amount on File
Deed Sale	Mar 5, 2018 · Amount on File
Prior Sale	Mar 5, 2018 · Amount on File
Deed Document Number	2018212085
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	248 E JEFFERSON ST, SPENCER, IN 47460-1842
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000223097
Date	Jan 4, 2021
Instrument	223097

Lender

Name	CRANE CU
Type	Credit Union
Address	ODON, IN 47562

Agreement

Amount	Amount on Record
Term	300 Months
Due	Jan 16, 2046

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	OWEN IN
Recording Date	Mar 5, 2018
Property Address	248 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	0000212084
Map Reference	DD1 PG14
Instrument Date	Feb 13, 2018
Instrument	212084
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 S LA SALLE ST # ST2000, 440, CHICAGO, IL 60605-1028

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 S LA SALLE ST STE 2000, 2000, CHICAGO, IL 60605-5011
Mail Care Of	FAY SERVICING LLC
Investor	Possibly a Property Investor

March 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Mar 5, 2018
Property Address	248 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	0000212085
Instrument Date	Feb 13, 2018
Instrument	212085
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 S LA SALLE ST # ST2000, 440, CHICAGO, IL 60605-1028

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1141 N US HIGHWAY 231, SPENCER, IN 47460-6607

July 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	OWEN IN
Recording Date	Jul 18, 2017
Property Address	248 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	0000209627
Map Reference	DD1 PG14
Instrument Date	Jun 15, 2017
Instrument	209627
Transaction Type	Foreclosure
Record Updated	Aug 8, 2022
Title Company	DENVER DIL TITLE

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4532 LOVERS LN, 4532, SPENCER, IN 47460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 GRAND REGENCY BLVD, BRANDON, FL 33510-3942

Tax Assessment & Valuation

The 2025 property tax bill for 248 E Jefferson St was $1,546, down 0.5% from the year before.

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	$1,546.00 (-0.51%)	$81,900 Land $8,200 Building $73,700	$81,900 Land $8,200 Building $73,700
2024	$1,554.00 (+7.39%)
2023	$1,447.00 (+26.49%)	$72,100 Land $6,100 Building $66,000	$72,100 Land $6,100 Building $66,000
2022	$1,144.00

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

Flood

FEMA maps place 248 E Jefferson St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 248 E Jefferson St is low, with a 0.01% annual chance of 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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