305 E Morgan St, Spencer, IN 47460 Property Records

Owen County property record for 305 E Morgan St, Spencer, IN 47460

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3,311 sqft · built 1986
Lot Size	0.304 acres (13,242 sqft)
Owner	Individual Name on Record
Last Sale	$8,430 (Jul 2015)
Tax Bill	$2,606 (2025)
Deeds & Mortgages	Sep 2007 Line of Credit Jul 2015 Sale
Flood Zone	Zone X (minimal risk)
APN	`60-10-21-300-400.232-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-300-400.232-028`
Alternative APN	`00001034725`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	3,311 sqft Total Area
1st Floor Area	3,311 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	13,242 sqft (0.304 acres)
Lot Dimensions	135 ft deep x 98 ft wide

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001034725
Street Address	305 E MORGAN ST
City	SPENCER
State	IN
Zip	47460-1429
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	FLETCHER'S 2/3 LOT 26 FLETCHER'S 2/3 LOT 27 FLETCHER'S 2/3 LOT 28
Legal Subdivision	FLETCHERS ADDITION
Legal Lot Number	26,27
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4023
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	305 E MORGAN ST, SPENCER, IN 47460-1429
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2007	Deed of Trust, Mortgage · Line of Credit OWEN COUNTY STATE BANK
Jul 20, 2015	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2015 · Amount on Record
Deed Sale	Jul 20, 2015 · Amount on Record
Deed Document Number	2015202132
Record Updated	Sep 20, 2026

September 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	305 E MORGAN ST, SPENCER, IN 47460-1429
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000173052
Date	Sep 6, 2007
Instrument	173052

Lender

Name	OWEN COUNTY STATE BANK
Address	SPENCER, IN 47460

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jul 20, 2015
Property Address	305 E MORGAN ST, SPENCER, IN 47460-1429
Document Number	0000202132
Map Reference	MB27 PG233
Instrument Date	May 15, 2015
Instrument	202132
Transaction Type	Transfer
Record Updated	Feb 26, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 N SENATE AVE, INDIANAPOLIS, IN 46204-2273
Mail Care Of	INDIANA DEPARTMENT OF TRANSPORTATION
Investor	Possibly a Property Investor

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	$2,606.00 (+12.47%)	$129,700 (+21.44%) Land $44,500 Building $85,200	$129,700 (+21.44%) Land $44,500 Building $85,200
2024	$2,317.00 (-7.28%)
2023	$2,499.00 (-18.78%)	$106,800 Land $47,000 Building $59,800	$106,800 Land $47,000 Building $59,800
2022	$3,077.00

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
Flood Insurance Cost	Premium on Record 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

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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: South Central Indiana REMC.

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