278 E Jefferson St, Spencer, IN 47460 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 940 sqft · built 1946
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Tax Bill	$215 (2025)
Deeds & Mortgages	May 2023 Transfer Aug 2019 Transfer
Flood Zone	Zone X (moderate risk)
APN	`60-10-21-300-400.273-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-300-400.273-028`
Alternative APN	`00001035452`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	940 sqft Living Area
1st Floor Area	940 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1966
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	48 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	209 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	00001035452
Street Address	278 E JEFFERSON ST
City	SPENCER
State	IN
Zip	47460-1842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER PT N 1/2 E 1/2 LOT 12
Legal Lot Number	12
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4043
Census Tract	955800

Owner

278 E Jefferson St is owned and occupied by an individual who acquired it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	278 E JEFFERSON ST, SPENCER, IN 47460-1842
Occupancy	Owner Occupied
Owner Type	Individual

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
May 3, 2023	Affidavit of Death of Joint Tenant, Transfer
Aug 12, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 12, 2019
Transfer Doc	217323
Record Updated	Sep 20, 2026

May 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	OWEN IN
Recording Date	May 3, 2023
Property Address	278 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	0000232870
Instrument Date	May 2, 2023
Instrument	232870
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	278 E JEFFERSON ST, SPENCER, IN 47460-1842

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OWEN IN
Recording Date	Aug 12, 2019
Property Address	278 E JEFFERSON ST, SPENCER, IN 47460-1842
Document Number	217323
Instrument Date	Aug 12, 2019
Instrument	217323
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	278 E JEFFERSON ST, SPENCER, IN 47460-1842

Tax Assessment & Valuation

The 2025 property tax bill for 278 E Jefferson St was $215 with a homeowner's exemption, up 2,288.9% 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	$215.00 (+2,288.89%) Homeowner's exemption	$91,200 Land $10,800 Building $80,400	$91,200 Land $10,800 Building $80,400
2024	$9.00
2023		$53,800 Land $7,900 Building $45,900	$53,800 Land $7,900 Building $45,900

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

Flood

FEMA maps place 278 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 278 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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