Owen County property record for 3923 Surber Rd, Spencer, IN 47460
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 5,402 sqft · built 2009 |
| Lot Size | 10.1 acres (442,134 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,217 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-06-15-100-030.000-025 |
| Primary APN | 60-06-15-100-030.000-025 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 5,402 sqft Living Area |
| 1st Floor Area | 5,402 sqft |
| Family Room | Family Room |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 442,134 sqft (10.1 acres) |
| Terrain | Wooded |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00001019734 |
|---|---|
| Street Address | 3923 SURBER RD |
| City | SPENCER |
| State | IN |
| Zip | 47460-2601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PT NW NE S15 T11 R4 10.15A |
| Legal Range | 4 |
| Legal Township | 11 |
| Legal Section | 15 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | MORGAN |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 955600 |
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 | 3923 SURBER RD, SPENCER, IN 47460-2601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 25, 2007 |
| Transfer Doc | 172703 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 3923 SURBER RD, SPENCER, IN 47460-2601 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3923 SURBER RD, SPENCER, IN 47460-2601 |
| Document Number | 0000241437 |
|---|---|
| Date | Sep 26, 2025 |
| Instrument | 241437 |
| Name | OWEN COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IN 47460 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 26, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Owen County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Morgan Township |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,217.00 (-3.39%) Homeowner's exemption | $502,100 (+29.31%) Land $26,000 Building $476,100 | $502,100 (+29.31%) Land $26,000 Building $476,100 |
| 2024 | $3,330.00 (+12.92%) | ||
| 2023 | $2,949.00 (-23.12%) | $388,300 Land $23,400 Building $364,900 | $388,300 Land $23,400 Building $364,900 |
| 2022 | $3,836.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| South Central Indiana REMC Fiber | 1,000 / 1,000 |
No cell data coverage reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures