437 E Fall Creek Rd, Spencer, IN 47460 Property Records

Owen County property record for 437 E Fall Creek Rd, Spencer, IN 47460

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,944 sqft · built 1980
Lot Size	12.6 acres (551,470 sqft)
Owner	Individual Name on File
Last Sale	$156,300 (Jun 2021)
Tax Bill	$1,292 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-10-09-300-300.000-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-09-300-300.000-027`
Alternative APN	`00001026193`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,944 sqft Living Area
1st Floor Area	2,944 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Roof Material	Asphalt
Lot Area	551,470 sqft (12.6 acres)
Garage Type	Detached
Garage Area	912 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gravity Furnace

Location & Zoning

Account Number	00001026193
Street Address	437 E FALL CREEK RD
City	SPENCER
State	IN
Zip	47460-7182
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	NW SW S9 T10 R3 12.66A
Legal Range	3
Legal Township	10
Legal Section	9
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2000
Census Tract	955800

Owner

437 E Fall Creek Rd, a rural home, is owned and occupied by an individual who bought it in June 2021.

Source: Owen County records, as of June 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	437 E FALL CREEK RD, SPENCER, IN 47460-7182
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2021 · Amount on File
Deed Sale	Jun 16, 2021 · Amount on File
Deed Document Number	2021225270
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jun 16, 2021
Property Address	437 E FALL CREEK RD, SPENCER, IN 47460-7182
Document Number	0000225270
Instrument Date	Jun 11, 2021
Instrument	225270
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	437 E FALL CREEK RD, SPENCER, IN 47460-7182

Mortgage

Document Number	0000225271
Date	Jun 16, 2021
Instrument	225271

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 15, 2026
Change Frequency	5 Years
Min Rate At Change	3.37%
Max Rate At Change	5.5%
Index	5-Year CMT
Max Rate	9.5%

Tax Assessment & Valuation

The 2025 property tax bill for 437 E Fall Creek Rd was $1,292 with a homeowner's exemption, down 9.7% 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
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,292.00 (-9.71%) Homeowner's exemption	$219,200 Land $34,600 Building $184,600	$219,200 Land $34,600 Building $184,600
2024	$1,431.00 (+6.32%)
2023	$1,346.00 (+1.28%)	$191,200 Land $29,100 Building $162,100	$191,200 Land $29,100 Building $162,100
2022	$1,329.00

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

Flood

FEMA maps place 437 E Fall Creek Rd in Zone X, an area of minimal flood risk, though there have been 32 flood claims nearby since 1991.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	32 (1991–2026)
Claims Outside the SFHA	1 of 32
Most Recent Claim	Aug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 6 claims Severe Winter Storms And Flooding, Jan 2005 · 7 claims Severe Storms And Tornadoes, And Flooding, Jun 1998 · 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

Wildfire risk around 437 E Fall Creek 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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