427 E Jefferson St, Spencer, IN 47460 Property Records

Owen County property record for 427 E Jefferson St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,508 sqft · built 1955
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$116,000 (Sep 2009)
Tax Bill	$1,065 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`60-10-21-300-400.355-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-300-400.355-028`
Alternative APN	`00001037954`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,508 sqft Living Area
1st Floor Area	1,508 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	113 ft deep x 70 ft wide
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001037954
Street Address	427 E JEFFERSON ST
City	SPENCER
State	IN
Zip	47460-1845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDERS LOT 20
Legal Subdivision	WINDERS ADDITION
Legal Lot Number	20
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4052
Census Tract	955800

Owner

427 E Jefferson St is owned and occupied by two individuals who bought it in September 2009.

Source: Owen County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	427 E JEFFERSON ST, SPENCER, IN 47460-1845
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2009 · Amount on File
Deed Sale	Sep 18, 2009 · Amount on File
Prior Sale	Aug 8, 2008 · Amount on File
Deed Document Number	2009181193
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	427 E JEFFERSON ST, SPENCER, IN 47460-1845
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000243158
Date	Mar 27, 2026
Instrument	243158

Lender

Name	THE GERMAN AMERICAN BANK
Type	Bank
Address	BLOOMINGTON, IN 47404

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Apr 20, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 427 E Jefferson St was $1,065 with a homeowner's exemption, down 13.3% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,065.00 (-13.34%) Homeowner's exemption	$146,200 Land $16,400 Building $129,800	$146,200 Land $16,400 Building $129,800
2024	$1,229.00 (+8.76%)
2023	$1,130.00 (+40.55%)	$127,800 Land $20,900 Building $106,900	$127,800 Land $20,900 Building $106,900
2022	$804.00

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

Flood

FEMA maps place 427 E Jefferson St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	49 (1993–2025)
Claims Outside the SFHA	3 of 49
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 24 claims Severe Winter Storms And Flooding, Jan 2005 · 16 claims Severe Storms, Tornadoes, And Flooding, Sep 2003 · 2 claims

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

Wildfire risk around 427 E Jefferson St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BBP WATER COMPANY serves 9,903 people · EPA ID IN5260001
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30