Owen County property record for 3891 White Rd, Spencer, IN 47460
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,260 sqft · built 1900 |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,294 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 60-17-13-300-220.000-016 |
| Primary APN | 60-17-13-300-220.000-016 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 871,200 sqft (20 acres) |
| Lean-To | 720 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Central |
|---|
| Account Number | 00000981707 |
|---|---|
| Street Address | 3891 WHITE RD |
| City | SPENCER |
| State | IN |
| Zip | 47460-5199 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | IN SW S13 T9 R3 20A |
| Legal Range | 3 |
| Legal Township | 9 |
| Legal Section | 13 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 955900 |
3891 White Rd, a rural home, is owned and occupied by an individual.
Source: Owen County records, as of June 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3891 WHITE RD, SPENCER, IN 47460-5199 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 3891 White Rd was $1,294 with a homeowner's exemption, down 3.2% from the year before.
Source: Owen County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Clay Township |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,294.00 (-3.22%) Homeowner's exemption | $183,800 Land $82,400 Building $101,400 | $183,800 Land $82,400 Building $101,400 |
| 2024 | $1,337.00 (+0.98%) | ||
| 2023 | $1,324.00 (-1.71%) | $160,200 Land $70,100 Building $90,100 | $160,200 Land $70,100 Building $90,100 |
| 2022 | $1,347.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3891 White Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 9, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 3891 White Rd is low, with a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Smithville Communications Fiber | 1,000 / 1,000 |
| South Central Indiana REMC Fiber | 1,000 / 1,000 |
No cell data coverage reported
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