278 E Clay St, Spencer, IN 47460 Property Records

Owen County property record for 278 E Clay St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	built 1959
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on Record
Last Sale	$14,750 (Apr 2020)
Tax Bill	$494 (2025)
Deeds & Mortgages	Apr 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`60-10-28-200-600.005-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-28-200-600.005-028`
Alternative APN	`00001037390`

Interior

Plumbing Fixtures	5 Plumbing Fixtures

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Wood
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	126 ft deep x 68 ft wide
Garage Type	Detached
Garage Area	392 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001037390
Street Address	278 E CLAY ST
City	SPENCER
State	IN
Zip	47460-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER LOT 4
Legal Subdivision	SPENCER
Legal Lot Number	4
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4058
Census Tract	955800

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	Company Name on Record
Mailing Address	165 S MAIN ST, SPENCER, IN 47460-1731
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2020 · Amount on Record
Deed Sale	Apr 17, 2020 · Amount on Record
Deed Document Number	202076
Record Updated	Sep 20, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Apr 17, 2020
Property Address	278 E CLAY ST, SPENCER, IN 47460-1804
Document Number	0000220076
Instrument Date	Apr 14, 2020
Instrument	220076
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 W MARKET ST, SPENCER, IN 47460-1736

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	$494.00 (+16%)	$26,200 (+175.79%) Land $22,000 Building $4,200	$26,200 (+175.79%) Land $22,000 Building $4,200
2024	$190.00 (-4.52%)
2023	$199.00 (-7.44%)	$9,500 Land $6,700 Building $2,800	$9,500 Land $6,700 Building $2,800
2022	$215.00

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 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	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

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 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