3496 Shepard Rd, Freedom, IN 47431 Property Records

Owen County property record for 3496 Shepard Rd, Freedom, IN 47431

Property Summary

Property Type	Rural Home
Details	5 bd · 3 ba · 3,240 sqft · built 2020
Lot Size	12.2 acres (532,303 sqft)
Owner	Individual Name on Record
Tax Bill	$1,909 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2020 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`60-15-12-200-260.000-020`

Property Details

APN / Parcel Number

Primary APN	`60-15-12-200-260.000-020`
Alternative APN	`00000999915`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,240 sqft Living Area
1st Floor Area	3,240 sqft
Basement Area	1,620 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Material	Asphalt
Lot Area	532,303 sqft (12.2 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	2,016 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Patio Area	288 sqft
Shed	1 Shed
Shed Area	90 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000999915
Street Address	3496 SHEPARD RD
City	FREEDOM
State	IN
Zip	47431-7272
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	IN N 1/2 NW NW S12 T9 R5 12.22A RETIRED TITLE
Legal Range	5
Legal Township	9
Legal Section	12
Jurisdiction	OWEN IN
Township / Civil Division	JEFFERSON
Census Block Group	2
Census Block	2004
Census Tract	955702

Owner

Source: Owen County records, as of June 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3496 SHEPARD RD, FREEDOM, IN 47431-7272
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · ARM OWEN COUNTY STATE BANK
Aug 14, 2020	Deed of Trust, Mortgage · Construction Mortgage OWEN COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	3496 SHEPARD RD, FREEDOM, IN 47431-7272
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	223518
Date	Feb 5, 2021
Instrument	223518

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	9.37%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	3496 SHEPARD RD, FREEDOM, IN 47431-7272
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	221363
Date	Aug 14, 2020
Instrument	221363

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank
Address	47480

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	May 7, 2021

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,909.00 (-21.67%) Homeowner's exemption	$407,000 (+14.36%) Land $31,400 Building $375,600	$407,000 (+14.36%) Land $31,400 Building $375,600
2024	$2,437.00 (+6.37%)
2023	$2,291.00 (+19.63%)	$355,900 (+3.4%) Land $23,700 Building $332,200	$355,900 (+3.4%) Land $23,700 Building $332,200
2022	$1,915.00	$344,200 Land $22,500 Building $321,700	$344,200 Land $22,500 Building $321,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 11 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

Cell Coverage

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

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