308 E Franklin St, Spencer, IN 47460 Property Records

Owen County property record for 308 E Franklin St, Spencer, IN 47460

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Jul 2021)
Tax Bill	$545 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-10-21-300-400.283-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-300-400.283-028`
Alternative APN	`00001034659`

Interior

Plumbing Fixtures	5 Plumbing Fixtures

Exterior

Lot Area	8,276 sqft (0.19 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001034659
Street Address	308 E FRANKLIN ST
City	SPENCER
State	IN
Zip	47460-1822
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	IN SW S21 T10 R3 .19A
Legal Range	3
Legal Township	10
Legal Section	21
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4036
Census Tract	955800

Owner

Source: Owen County records, as of July 21, 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	1021 HYDEN RD, SPENCER, IN 47460-6207
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage CORE CREDIT UNION
Jul 12, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage CRANE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2021 · Amount on Record
Deed Sale	Jul 12, 2021 · Amount on Record
Prior Sale	Dec 15, 2017 · Amount on Record
Deed Document Number	2021225557
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Recording Date	May 27, 2026
Property Address	308 E FRANKLIN ST, SPENCER, IN 47460-1822
Document Number	0000243774
Instrument Date	May 22, 2026
Instrument	2026243774
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1003 E 106TH ST, CARMEL, IN 46280-1688

Mortgage

Document Number	0000243774,
Date	May 27, 2026
Instrument	2026243774

Lender

Name	CORE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 5, 2051

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jul 12, 2021
Property Address	308 E FRANKLIN ST, SPENCER, IN 47460-1822
Document Number	225557
Instrument Date	Jul 9, 2021
Instrument	225557
Transaction Type	Transfer
Record Updated	Jul 23, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 HVDEN ROAD, SPENCER, IN 47460-6207

Mortgage

Document Number	225558
Date	Jul 12, 2021
Instrument	225558

Lender

Name	CRANE CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 10, 2041

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	$545.00 (+434.31%)	$28,900 (+466.67%) Land $28,900	$28,900 (+466.67%) Land $28,900
2024	$102.00
2023	$102.00 (-37.42%)	$5,100 (-) Land $5,100	$5,100 (-) Land $5,100
2022	$163.00	$5,100 Land $5,100	$5,100 Land $5,100

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
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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