357 Lovers Ln, Spencer, IN 47460 Property Records

Owen County property record for 357 Lovers Ln, Spencer, IN 47460 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 825 sqft · built 1950
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,002 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-21-200-400.058-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-200-400.058-028`
Alternative APN	`00001035923`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	825 sqft Living Area
1st Floor Area	825 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1966
Construction Type	Stone
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	129 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001035923
Street Address	357 LOVERS LN
City	SPENCER
State	IN
Zip	47460-1034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARDEN PARK LOT 30
Legal Subdivision	GARDEN PARK ADD
Legal Lot Number	30
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1029
Census Tract	955800

Owner

Source: Owen County records · APN 60-10-21-200-400.058-028

Assessment roll updated June 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	171 N COUNTY LINE RD E, SPENCER, IN 47460-7408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Warranty Deed, Transfer · Conventional Mortgage OWEN COUNTY STATE BANK
Jul 19, 2022	Warranty Deed, Transfer
Jun 12, 2018	Warranty Deed, Transfer · Conventional Mortgage OWEN COUNTY STATE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 03, 2024
Deed Sale	Dec 03, 2024
Prior Sale	Oct 28, 2022 · Amount on Record
Deed Document Number	2024238570
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Oct 28, 2022
Property Address	357 LOVERS LN, SPENCER, IN 47460-1034
Document Number	0000231154
Map Reference	MB 86 PG 397
Instrument Date	Oct 27, 2022
Instrument	231154
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 LOVERS LN, SPENCER, IN 47460-1034

Mortgage

Document Number	0000231155
Date	Oct 28, 2022
Instrument	231155

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jul 19, 2022
Property Address	357 LOVERS LN, SPENCER, IN 47460-1034
Document Number	0000230052
Map Reference	DD 86 PG 397
Instrument Date	Jul 18, 2022
Instrument	230052
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	357 LOVERS LN, SPENCER, IN 47460-1034

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jun 12, 2018
Property Address	357 LOVERS LN, SPENCER, IN 47460-1034
Document Number	0000213143
Map Reference	DD86 PG397
Instrument Date	Jun 08, 2018
Instrument	213143
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Joint Tenants with Right of Survivorship
Address	357 LOVERS LN, SPENCER, IN 47460-1034

Mortgage

Document Number	0000213144
Date	Jun 12, 2018
Instrument	213144

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 08, 2048

Tax Assessment & Valuation

Source: Owen County records · Assessment roll updated June 23, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,002.00 (+282.79%) Homeowner's exemption	$106,000 (+26.04%) Land $23,800 Building $82,200	$106,000 (+26.04%) Land $23,800 Building $82,200
2024	$523.00 (+3.36%)
2023	$506.00	$84,100 Land $12,300 Building $71,800	$84,100 Land $12,300 Building $71,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Owen County (18119C), updated August 9, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 181199558001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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 Storm	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Apr 2025 · 2 claims Severe Storms, Flooding, And Tornadoes, Jun 2008 · 7 claims Severe Winter Storms And Flooding, Jan 2005 · 3 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 73% of Indiana
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 340 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: South Central Indiana Rural Electric Membership. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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