3413 Stultz Rd, Spencer, IN 47460 Property Records

Owen County property record for 3413 Stultz Rd, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,624 sqft · built 1968
Lot Size	2.3 acres (100,188 sqft)
Owner	Individual Name on File
Last Sale	$171,500 (Oct 2025)
Tax Bill	$1,155 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-17-06-400-200.000-016`

Property Details

APN / Parcel Number

Primary APN	`60-17-06-400-200.000-016`
Alternative APN	`00000983752`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,624 sqft Living Area
1st Floor Area	1,624 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2000
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	100,188 sqft (2.3 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	00000983752
Street Address	3413 STULTZ RD
City	SPENCER
State	IN
Zip	47460-9271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW SE S6 T9 R3 2.3A
Legal Range	3
Legal Township	9
Legal Section	6
Jurisdiction	OWEN IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1021
Census Tract	955900

Owner

Source: Owen County assessment roll, 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 File
Mailing Address	3413 STULTZ RD, SPENCER, IN 47460-9271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Oct 7, 2025	Intrafamily Transfer, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK
Jul 14, 2020	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 7, 2025 · Amount on Record
Deed Sale	Oct 7, 2025 · Amount on Record
Prior Sale	Jul 14, 2020 · Amount on Record
Deed Document Number	2025241527
Prior Transfer Date	Sep 25, 2025
Prior Transfer Doc	0000241527
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Recording Date	Jun 10, 2026
Property Address	3413 STULTZ RD, SPENCER, IN 47460-9271
Document Number	0000243918
Instrument Date	Jun 3, 2026
Instrument	2026243918
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3413 STULTZ RD, SPENCER, IN 47460-9271

Mortgage

Document Number	0000243918,
Date	Jun 10, 2026
Instrument	2026243918

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OWEN IN
Recording Date	Oct 7, 2025
Property Address	3413 STULTZ RD, SPENCER, IN 47460-9271
Document Number	0000241527
Instrument Date	Sep 25, 2025
Instrument	241527
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	OLD REPUBLIC TITLE RESID'L INF, OLD REPUBLIC TTL RES INFORMA

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3413 STULTZ RD, SPENCER, IN 47460-9271

Mortgage

Document Number	0000241528
Date	Oct 7, 2025
Instrument	241528

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jul 14, 2020
Property Address	3413 STULTZ RD, SPENCER, IN 47460-9271
Document Number	220973
Instrument Date	Jul 1, 2020
Instrument	220973
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	PO BOX 136, HARRODSBURG, IN 47434-0136

Mortgage

Document Number	220974
Date	Jul 14, 2020
Instrument	220974

Lender

Name	REGIONS BANK
Type	Bank

Agreement

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

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	$1,155.00 (-8.48%) Homeowner's exemption	$204,700 (+7%) Land $41,700 Building $163,000	$204,700 (+7%) Land $41,700 Building $163,000
2024	$1,262.00 (+3.19%) Homeowner's exemption	$191,300 (+6.99%) Land $36,500 Building $154,800	$191,300 (+6.99%) Land $36,500 Building $154,800
2023	$1,223.00 (-9.34%)	$178,800 Land $36,500 Building $142,300	$178,800 Land $36,500 Building $142,300
2022	$1,349.00

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 Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2008 · 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
South Central Indiana REMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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