2820 Lucas Rd, Spencer, IN 47460 Property Records

Owen County property record for 2820 Lucas Rd, Spencer, IN 47460

Property Summary

Property Type	Rural Home
Details	1 ba · 1,056 sqft · built 2017
Lot Size	70.7 acres (3,080,128 sqft)
Owner	Company Name on Record
Last Sale	$864,832 (Aug 2023)
Tax Bill	$1,966 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-16-03-102-030.001-017`

Property Details

APN / Parcel Number

Primary APN	`60-16-03-102-030.001-017`
Alternative APN	`00003049307`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Wood
Roof Material	Asphalt
Lot Area	3,080,128 sqft (70.7 acres)
Terrain	Rolling

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	00003049307
Street Address	2820 LUCAS RD
City	SPENCER
State	IN
Zip	47460-6520
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT S 1/2 NW & PT W 1/2 SW NE S3 T9 R4 70.71A
Legal Range	4
Legal Township	9
Legal Section	3
Jurisdiction	OWEN IN
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2005
Census Tract	955900

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	12318 WHISPERING BREEZE DR, FISHERS, IN 46037-4454
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2023 · Amount on Record
Deed Sale	Aug 9, 2023 · Amount on Record
Deed Document Number	2023233886
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Aug 9, 2023
Property Address	2820 LUCAS RD, SPENCER, IN 47460-6520
Document Number	0000233886
Instrument Date	Aug 4, 2023
Instrument	233886
Transaction Type	Transfer
Record Updated	Dec 26, 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	12318 WHISPERING BREEZE DR, FISHERS, IN 46037-4454

Mortgage

Document Number	0000233887
Date	Aug 9, 2023
Instrument	233887

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2038

Tax Assessment & Valuation

Source: Owen County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Owen County
County Subdivision	Franklin Township
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,966.00 (-15.19%)	$163,600 (+1.24%) Land $68,300 Building $95,300	$163,600 (+1.24%) Land $68,300 Building $95,300
2024	$2,318.00 (+1.27%)
2023	$2,289.00 (+384.96%)	$161,600 (+419.61%) Land $58,800 Building $102,800	$161,600 (+419.61%) Land $58,800 Building $102,800
2022	$472.00	$31,100 Land $31,100	$31,100 Land $31,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	4 in force
Nearby Flood Claims	7 (2008–2025)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 4 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
South Central Indiana REMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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