3487 Stultz Rd, Spencer, IN 47460 Property Records

Owen County property record for 3487 Stultz Rd, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,000 sqft · built 1976
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$139,900 (Dec 2018)
Tax Bill	$1,644 (2025)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-17-07-100-040.000-016`

Property Details

APN / Parcel Number

Primary APN	`60-17-07-100-040.000-016`
Alternative APN	`00000980930`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	435,600 sqft (10 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000980930
Street Address	3487 STULTZ RD
City	SPENCER
State	IN
Zip	47460-9271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW NE S7 T9 R3 10A
Legal Range	3
Legal Township	9
Legal Section	7
Jurisdiction	OWEN IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1021
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	3487 STULTZ RD, SPENCER, IN 47460-9271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2018 · Amount on Record
Deed Sale	Dec 7, 2018 · Amount on Record
Prior Sale	Dec 4, 2018 · Amount on Record
Deed Document Number	2018214844
Transfer Doc	0001248805
Record Updated	Sep 20, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Dec 7, 2018
Property Address	3487 STULTZ RD, SPENCER, IN 47460-9271
Document Number	0000214844
Instrument Date	Dec 4, 2018
Instrument	214844
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3487 STULTZ RD, SPENCER, IN 47460-9271

Mortgage

Document Number	0000214845
Date	Dec 7, 2018
Instrument	214845

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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	$1,644.00 (-10.99%) Homeowner's exemption	$245,900 (+9.73%) Land $75,000 Building $170,900	$245,900 (+9.73%) Land $75,000 Building $170,900
2024	$1,847.00 (+1.82%)
2023	$1,814.00 (-1.25%)	$224,100 Land $75,000 Building $149,100	$224,100 Land $75,000 Building $149,100
2022	$1,837.00

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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