Owen County property record for 287 Middle St, Spencer, IN 47460
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,151 sqft · built 1980 |
| Lot Size | 0.142 acres (6,186 sqft) |
| Owner | Individual Name on File |
| Last Sale | $76,600 (Mar 2016) |
| Tax Bill | $1,182 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-10-20-400-400.358-028 |
| Primary APN | 60-10-20-400-400.358-028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,151 sqft Living Area |
| 1st Floor Area | 1,151 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 6,186 sqft (0.142 acres) |
| Lot Dimensions | 85 ft deep x 73 ft wide |
| Garage Type | Attached |
| Garage Area | 276 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 00001035334 |
|---|---|
| Street Address | 287 MIDDLE ST |
| City | SPENCER |
| State | IN |
| Zip | 47460-1213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RICHARDS PT LOT 12 |
| Legal Subdivision | RICHARDS FIRST ADDITION |
| Legal Lot Number | 12 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 955800 |
287 Middle St is owned and occupied by an individual who bought it in March 2016.
Source: Owen County records, as of June 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 287 MIDDLE ST, SPENCER, IN 47460-1213 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 2016 · Amount on File |
| Deed Sale | Mar 11, 2016 · Amount on File |
| Prior Sale | Sep 2, 2011 |
| Deed Document Number | 2016204554 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 287 MIDDLE ST, SPENCER, IN 47460-1213 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 287 MIDDLE ST, SPENCER, IN 47460-1213 |
| Document Number | 0000234118 |
|---|---|
| Date | Aug 28, 2023 |
| Instrument | 234118 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
The 2025 property tax bill for 287 Middle St was $1,182 with a homeowner's exemption, up 18.2% from the year before.
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 | $1,182.00 (+18.2%) Homeowner's exemption | $157,000 Land $15,300 Building $141,700 | $157,000 Land $15,300 Building $141,700 |
| 2024 | $1,000.00 (+11.98%) | ||
| 2023 | $893.00 (+67.86%) | $111,300 Land $6,700 Building $104,600 | $111,300 Land $6,700 Building $104,600 |
| 2022 | $532.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 287 Middle St in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1993.
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 | 3 in force |
| Nearby Flood Claims | 16 (1993–2025) |
| Claims Outside the SFHA | 2 of 16 |
| 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.
Wildfire risk around 287 Middle 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 |
| Adjoins Burnable Land | Yes |
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 236 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
May also be available: South Central Indiana REMC, T-Mobile.
5G (outdoors only) and 4G LTE
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