302 Middle St, Spencer, IN 47460 Property Records

Owen County property record for 302 Middle St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,275 sqft · built 1924
Lot Size	0.152 acres (6,621 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Oct 2018)
Tax Bill	$1,101 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-400-400.370-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.370-028`
Alternative APN	`00001035768`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,275 sqft Living Area
1st Floor Area	675 sqft
Attic	Attic
Attic Area	1,200 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1985
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	6,621 sqft (0.152 acres)
Lot Dimensions	100 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	322 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001035768
Street Address	302 MIDDLE ST
City	SPENCER
State	IN
Zip	47460-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICHARDS 2ND ADD LOT 24
Legal Subdivision	RICHARDS SECOND ADDITION
Legal Lot Number	24
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3001
Census Tract	955800

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	Individual Name on Record
Mailing Address	302 MIDDLE ST, SPENCER, IN 47460-1216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Oct 10, 2018	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2018 · Amount on Record
Deed Sale	Oct 10, 2018 · Amount on Record
Prior Sale	Oct 3, 2018 · Amount on Record
Deed Document Number	2018214293
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	302 MIDDLE ST, SPENCER, IN 47460-1216
Transaction Type	Mortgage
Record Updated	Jun 12, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000219512
Date	Feb 18, 2020
Instrument	219512

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Oct 10, 2018
Property Address	302 MIDDLE ST, SPENCER, IN 47460-1216
Document Number	0000214293
Map Reference	DD 47 PG 427
Instrument Date	Oct 3, 2018
Instrument	214293
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 MIDDLE ST, SPENCER, IN 47460-1216

Mortgage

Document Number	0000214294
Date	Oct 10, 2018
Instrument	214294

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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	$1,101.00 (+30.6%) Homeowner's exemption	$149,500 (+47.44%) Land $16,100 Building $133,400	$149,500 (+47.44%) Land $16,100 Building $133,400
2024	$843.00 (+12.55%)
2023	$749.00 (+65.34%)	$101,400 Land $7,000 Building $94,400	$101,400 Land $7,000 Building $94,400
2022	$453.00

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

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	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	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 9 claims Severe Winter Storms And Flooding, Jan 2005 · 3 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	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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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