Owen County property record for 2782 Withem Ave, Spencer, IN 47460 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Year Built | Built 2024 |
| Square Footage | 2,280 sqft Living Area |
| Lot Size | 148,540 sqft (3.41 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $331,650 (2026) |
| Tax Bill | $3,276.00 (2025) |
| Primary APN | 60-11-26-200-210.200-027 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Baths |
|---|---|
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Building Area | 2,280 sqft Living Area |
| 1st Floor | 2,280 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Construction Type | Wood Construction |
| Foundation Type | No Foundation Foundation |
| Roof Material | Asphalt Roof |
| Lot Area | 148,540 sqft (3.41 acres) |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 00001027349 |
|---|---|
| Street Address | 2782 WITHEM AVE |
| City | SPENCER |
| State | IN |
| Zip | 47460-7007 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HANCOCK CORNERS LOT 20 S26 T10 R4 3.41A |
| Legal Range | 4 |
| Legal Township | 10 |
| Legal Section | 26 |
| Legal Subdivision | HANCOCK CORNER |
| Legal Lot Number | 20 |
| Jurisdiction | OWEN IN |
| Minor Civil Division | WASHINGTON |
| Census Blockgroup | 1 |
| Census Block | 1049 |
| Census Tract | 955701 |
Source: Owen County records · APN 60-11-26-200-210.200-027
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 2782 WITHEM AVE, SPENCER, IN 47460-7007 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE |
| Apr 23, 2024 | Deed of Trust, Mortgage · Conventional Mortgage OWEN COUNTY STATE BANK |
| Jul 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage OWEN COUNTY STATE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 29, 2026 · Amount on Record |
| Deed Sale | Jun 29, 2026 · Amount on Record |
| Prior Sale | Jul 18, 2022 · Amount on Record |
| Deed Doc Number | 2026244123 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Jun 29, 2026 |
| Property Address | 2782 WITHEM AVE, SPENCER, IN 47460-7007 |
| Document Number | 0000244123 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 2026244123 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2782 WITHEM AVE, SPENCER, IN 47460-7007 |
| Document Number | 0000244124, |
|---|---|
| Date | Jun 29, 2026 |
| Instrument | 2026244124 |
| Name | RUOFF MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 2782 WITHEM AVE, SPENCER, IN 47460-7007 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 932 E PORTER RIDGE RD, SPENCER, IN 47460-6035 |
| Document Number | 0000236326 |
|---|---|
| Date | Apr 23, 2024 |
| Instrument | 236326 |
| Name | OWEN COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IN 47460 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Jul 18, 2022 |
| Property Address | 2782 WITHEM AVE, SPENCER, IN 47460-7007 |
| Document Number | 0000230030 |
| Map Reference | MB 3 PG 10 |
| Instrument Date | Jul 14, 2022 |
| Instrument | 230030 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | From Affidavit or Verified |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 1437 W ALLEN ST, BLOOMINGTON, IN 47403-2949 |
| Document Number | 0000230031 |
|---|---|
| Date | Jul 18, 2022 |
| Instrument | 230031 |
| Name | OWEN COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jul 14, 2024 |
Source: Owen County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Washington Township |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,276.00 (+674.47%) | $253,400 (+756.08%) Land $35,900 Building $217,500 | $253,400 (+756.08%) Land $35,900 Building $217,500 |
| 2024 | $423.00 (-6.42%) | ||
| 2023 | $452.00 (+16.8%) | $29,600 Land $29,600 | $29,600 Land $29,600 |
| 2022 | $387.00 |
2782 Withem Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Owen County (18119C), updated August 9, 2019
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 73rd in Indiana |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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