33 Cedar Ln, Spencer, IN 47460 Property Records

Owen County property record for 33 Cedar Ln, Spencer, IN 47460

Property Summary

Property Type	Rural Home
Details	2 bd · 3 ba · 2,304 sqft · built 1986
Lot Size	25 acres (1,089,000 sqft)
Owner	Individual Name on Record
Last Sale	$237,272 (Apr 2021)
Tax Bill	$2,460 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`60-17-32-400-190.000-016`

Property Details

APN / Parcel Number

Primary APN	`60-17-32-400-190.000-016`
Alternative APN	`00000980909`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,304 sqft Living Area
1st Floor Area	2,304 sqft
Basement Area	2,304 sqft
Finished Basement	2,304 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Wood
Roof Material	Asphalt
Lot Area	1,089,000 sqft (25 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	384 sqft
Shed	1 Shed
Shed Area	140 sqft
Gazebo	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000980909
Street Address	33 CEDAR LN
City	SPENCER
State	IN
Zip	47460-5814
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	IN NE SE S32 T9 R3 25A
Legal Range	3
Legal Township	9
Legal Section	32
Jurisdiction	OWEN IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3035
Census Tract	955900

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	33 CEDAR LN, SPENCER, IN 47460-5814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage OWEN COUNTY STATE BANK
Apr 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage OWEN COUNTY STATE BANK
Nov 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage OWEN COUNTY STATE BANK
Apr 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage OWEN COUNTY STATE BANK
Oct 16, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2021 · Amount on Record
Deed Sale	Apr 13, 2021 · Amount on Record
Prior Sale	Oct 16, 2020
Deed Document Number	2021224418
Prior Transfer Date	Apr 12, 2021
Prior Transfer Doc	224418
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	33 CEDAR LN, SPENCER, IN 47460-5814
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 CEDAR LN, SPENCER, IN 47460-5814

Mortgage

Document Number	0000241457
Date	Sep 29, 2025
Instrument	241457

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank
Address	SPENCER, IN 47460

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2055

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	33 CEDAR LN, SPENCER, IN 47460-5814
Transaction Type	Mortgage
Record Updated	May 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232704
Date	Apr 14, 2023
Instrument	232704

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank
Address	SPENCER, IN 47460

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 14, 2033

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	33 CEDAR LN, SPENCER, IN 47460-5814
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000231232
Date	Nov 7, 2022
Instrument	231232

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank
Address	SPENCER, IN 47460

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 7, 2032

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OWEN IN
Recording Date	Apr 13, 2021
Property Address	33 CEDAR LN, SPENCER, IN 47460-5814
Document Number	224418
Instrument Date	Apr 12, 2021
Instrument	224418
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 CEDAR LN, SPENCER, IN 47460-5814

Mortgage

Document Number	224419
Date	Apr 13, 2021
Instrument	224419

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 12, 2031
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	5.75%
Index	Other
Max Rate	3.07%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Oct 16, 2020
Property Address	33 CEDAR LN, SPENCER, IN 47460-5814
Document Number	222168
Instrument Date	Jul 9, 2020
Instrument	222168
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 CEDAR LN, SPENCER, IN 47460-5814

Tax Assessment & Valuation

Source: Owen County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Owen County
County Subdivision	Clay Township
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,460.00 (-10.61%) Homeowner's exemption	$375,600 (+15.6%) Land $61,700 Building $313,900	$375,600 (+15.6%) Land $61,700 Building $313,900
2024	$2,752.00 (+5.72%)
2023	$2,603.00 (-5.96%)	$324,900 Land $53,400 Building $271,500	$324,900 Land $53,400 Building $271,500
2022	$2,768.00

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	2 in force
Nearby Flood Claims	6 (1995–2021)
Most Recent Claim	Jun 2021 · rainfall accumulation

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Smithville Communications Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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