Owen County property record for 278 E Franklin St, Spencer, IN 47460
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,255 sqft · built 1910 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,141 (2025) |
| Deeds & Mortgages | Jul 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-10-21-300-400.281-028 |
| Primary APN | 60-10-21-300-400.281-028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,255 sqft Living Area |
| 1st Floor Area | 1,255 sqft |
| Attic | Attic |
| Attic Area | 969 sqft |
| Basement Area | 969 sqft |
| Unfinished Basement | 969 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1945 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 135 ft deep x 77 ft wide |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Lean-To | 160 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 00001036683 |
|---|---|
| Street Address | 278 E FRANKLIN ST |
| City | SPENCER |
| State | IN |
| Zip | 47460-1820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPENCER LOT 19 & PT LOT 20 |
| Legal Lot Number | 19,20 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 4 |
| Census Block | 4035 |
| Census Tract | 955800 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 278 E FRANKLIN ST, SPENCER, IN 47460-1820 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jul 21, 2022 |
| Transfer Doc | 0000230089 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Jul 21, 2022 |
| Property Address | 278 E FRANKLIN ST, SPENCER, IN 47460-1820 |
| Document Number | 0000230089 |
| Instrument Date | Jul 21, 2022 |
| Instrument | 230089 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 278 EAST FRANK ST, WEST OLIVE, MI 49460 |
Source: Owen County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Washington Township |
| Municipality | Spencer Town |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,141.00 (+2.06%) Homeowner's exemption | $189,700 (+15.53%) Land $22,700 Building $167,000 | $189,700 (+15.53%) Land $22,700 Building $167,000 |
| 2024 | $1,118.00 (+1.91%) | ||
| 2023 | $1,097.00 (+2.05%) | $164,200 Land $16,700 Building $147,500 | $164,200 Land $16,700 Building $147,500 |
| 2022 | $1,075.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 340 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: South Central Indiana REMC.
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