433 River Rd, Spencer, IN 47460 Property Records

Owen County property record for 433 River Rd, Spencer, IN 47460

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,144 sqft · built 1986
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Tax Bill	$893 (2025)
Deeds & Mortgages	Sep 2022 Transfer
Flood Zone	Zone AE (high risk)
APN	`60-10-29-100-050.004-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-29-100-050.004-027`
Alternative APN	`00001032961`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Mobile Home
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001032961
Street Address	433 RIVER RD
City	SPENCER
State	IN
Zip	47460-6703
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	IN NE S29 T10 R3 0.34A AKA SOUTH BANKS LOT 4 DUANE O SIMS
Legal Range	3
Legal Township	10
Legal Section	29
Legal Subdivision	SOUTH BANKS SUBDIVISION
Legal Lot Number	4
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1048
Census Tract	955800

Owner

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	5769 W STATE ROAD 46, POLAND, IN 47868-7130
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2022
Deed Sale	Sep 7, 2022
Prior Sale	Apr 28, 2009 · Amount on Record
Deed Document Number	2022230590
Record Updated	Sep 20, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OWEN IN
Recording Date	Sep 7, 2022
Property Address	433 RIVER RD, SPENCER, IN 47460-6703
Document Number	0000230590
Instrument Date	Sep 7, 2022
Instrument	230590
Transaction Type	Transfer
Record Updated	Sep 20, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 RIVER RD, SPENCER, IN 47460-6703

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$893.00 (-6.69%)	$69,400 (+10.86%) Land $18,100 Building $51,300	$69,400 (+10.86%) Land $18,100 Building $51,300
2024	$957.00
2023	$957.00 (+0.84%)	$62,600 Land $15,100 Building $47,500	$62,600 Land $15,100 Building $47,500
2022	$949.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 Event	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

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

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.

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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
South Central Indiana REMC Fiber	1,000 / 1,000