Owen County property record for 313 Concord Rd, Spencer, IN 47460
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,274 sqft · built 1989 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $300,580 (Jul 2026) |
| Tax Bill | $924 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-10-24-200-200.000-027 |
| Primary APN | 60-10-24-200-200.000-027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,274 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Attic | Attic |
| Attic Area | 884 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 60,984 sqft (1.4 acres) |
| Terrain | Low |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00001029792 |
|---|---|
| Street Address | 313 CONCORD RD |
| City | SPENCER |
| State | IN |
| Zip | 47460-7514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SW S24 T10 R3 1.40A |
| Legal Range | 3 |
| Legal Township | 10 |
| Legal Section | 24 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 955800 |
Source: Owen County records, as of July 20, 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 | 313 CONCORD RD, SPENCER, IN 47460-7514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 7, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Jul 5, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2026 · Amount on Record |
| Deed Sale | Jul 7, 2026 · Amount on Record |
| Deed Document Number | 2026244211 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Jul 7, 2026 |
| Property Address | 313 CONCORD RD, SPENCER, IN 47460-7514 |
| Document Number | 0000244211 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 2026244211 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 313 CONCORD RD, SPENCER, IN 47460-7514 |
| Document Number | 0000244211, |
|---|---|
| Date | Jul 7, 2026 |
| Instrument | 2026244211 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 313 CONCORD RD, SPENCER, IN 47460-7514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 221178 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 221178 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 313 CONCORD RD, SPENCER, IN 47460-7514 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2019 |
| Name | Verified Name |
|---|
| Document Number | 216969 |
|---|---|
| Date | Jul 5, 2019 |
| Instrument | 216969 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | May 25, 2049 |
Source: Owen County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Washington Township |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $924.00 (-17.35%) Homeowner's exemption | $170,300 (+6.91%) Land $33,600 Building $136,700 | $170,300 (+6.91%) Land $33,600 Building $136,700 |
| 2024 | $1,118.00 (+3.9%) | ||
| 2023 | $1,076.00 (-0.28%) | $159,300 Land $29,000 Building $130,300 | $159,300 Land $29,000 Building $130,300 |
| 2022 | $1,079.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 15 (2003–2025) |
| Claims Outside the SFHA | 4 of 15 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
| 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.
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.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| South Central Indiana REMC Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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