253 W Wayne St, Spencer, IN 47460 Property Records

Owen County property record for 253 W Wayne St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,010 sqft · built 1975
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$59,850 (Jul 2025)
Tax Bill	$1,138 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-400-400.746-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.746-028`
Alternative APN	`00001038034`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,010 sqft Living Area
1st Floor Area	1,010 sqft
Basement Area	1,010 sqft
Finished Basement	1,010 sqft
Family Room	Family Room

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Mixed
Garage Area	360 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	432 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001038034
Street Address	253 W WAYNE ST
City	SPENCER
State	IN
Zip	47460-1649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE S20 T10 R3 .22A
Legal Range	3
Legal Township	10
Legal Section	20
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2031
Census Tract	955800

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	253 W WAYNE ST, SPENCER, IN 47460-1649
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2025	Warranty Deed, Transfer · Conventional Mortgage CRANE CU
Oct 18, 2022	Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK
Dec 20, 2017	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2025 · Amount on Record
Deed Sale	Jul 3, 2025 · Amount on Record
Prior Sale	Oct 18, 2022 · Amount on Record
Deed Document Number	2025240579
Prior Transfer Date	May 11, 2015
Prior Transfer Doc	0000201434
Record Updated	Sep 20, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jul 3, 2025
Property Address	253 W WAYNE ST, SPENCER, IN 47460-1649
Document Number	0000240579
Instrument Date	Jun 27, 2025
Instrument	240579
Transaction Type	Transfer
Record Updated	May 12, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	253 W WAYNE ST, SPENCER, IN 47460-1649

Mortgage

Document Number	0000240580
Date	Jul 3, 2025
Instrument	240580

Lender

Name	CRANE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2035

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Oct 18, 2022
Property Address	253 W WAYNE ST, SPENCER, IN 47460-1649
Document Number	0000231037
Instrument Date	Oct 17, 2022
Instrument	231037
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
Address	253 W WAYNE ST, SPENCER, IN 47460-1649

Mortgage

Document Number	0000231038
Date	Oct 18, 2022
Instrument	231038

Lender

Name	HORIZON BANK
Type	Bank

Agreement

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

December 2017: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	OWEN IN
Recording Date	Dec 20, 2017
Property Address	253 W WAYNE ST, SPENCER, IN 47460-1649
Document Number	0000211417
Instrument Date	Dec 19, 2017
Instrument	211417
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	253 W WAYNE ST, SPENCER, IN 47460-1649

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	$1,138.00 (+13.35%) Homeowner's exemption	$152,900 (+44.25%) Land $18,700 Building $134,200	$152,900 (+44.25%) Land $18,700 Building $134,200
2024	$1,004.00 (+18.26%)
2023	$849.00 (+24.3%)	$106,000 Land $11,100 Building $94,900	$106,000 Land $11,100 Building $94,900
2022	$683.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	32 (1991–2026)
Claims Outside the SFHA	1 of 32
Most Recent Claim	Aug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 6 claims Severe Winter Storms And Flooding, Jan 2005 · 7 claims Severe Storms And Tornadoes, And Flooding, Jun 1998 · 3 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
Adjoins Burnable Land	Yes

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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