Owen County property record for 45 Flatwoods Rd, Spencer, IN 47460
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,911 sqft · built 1986 |
| Lot Size | 0.73 acres (31,799 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $352,300 (Jun 2023) |
| Tax Bill | $2,452 (2025) |
| Deeds & Mortgages | Dec 2018 Mortgage Jun 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-10-26-100-010.110-027 |
| Primary APN | 60-10-26-100-010.110-027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,911 sqft Living Area |
| 1st Floor Area | 1,911 sqft |
| Basement Area | 1,911 sqft |
| Finished Basement | 1,591 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1996 |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 31,799 sqft (0.73 acres) |
| Lot Dimensions | 224 ft deep x 141 ft wide |
| Terrain | Low |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 64 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00001029177 |
|---|---|
| Street Address | 45 FLATWOODS RD |
| City | SPENCER |
| State | IN |
| Zip | 47460-7413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | POWELL SUB LOT 11 |
| Legal Subdivision | POWELL SUB |
| Legal Lot Number | 11 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 955900 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45 FLATWOODS RD, SPENCER, IN 47460-7413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 7, 2018 | Deed of Trust, Mortgage · Commercial Mortgage OWEN COUNTY STATE BANK |
| Jun 13, 2023 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 31, 2018 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2023 · Amount on Record |
| Deed Sale | Jun 13, 2023 · Amount on Record |
| Prior Sale | Jul 12, 2016 · Amount on Record |
| Deed Document Number | 2023233299 |
| Prior Transfer Date | Dec 11, 2017 |
| Prior Transfer Doc | 0000211790 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 45 FLATWOODS RD, SPENCER, IN 47460-7413 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000214846 |
|---|---|
| Date | Dec 7, 2018 |
| Instrument | 214846 |
| Name | OWEN COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IN 47460 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 1, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Jun 13, 2023 |
| Property Address | 45 FLATWOODS RD, SPENCER, IN 47460-7413 |
| Document Number | 0000233299 |
| Map Reference | MB 1 PG 291 |
| Instrument Date | Jun 9, 2023 |
| Instrument | 233299 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 45 FLATWOODS RD, SPENCER, IN 47460-7413 |
| Investor | Possibly a Property Investor |
| Document Number | 0000233301 |
|---|---|
| Date | Jun 13, 2023 |
| Instrument | 233301 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Number | 0000233286 |
|---|---|
| Date | Jun 12, 2023 |
| Instrument | 233286 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Jan 31, 2018 |
| Property Address | 45 FLATWOODS RD, SPENCER, IN 47460-7413 |
| Document Number | 0000211790 |
| Map Reference | MB1 PG291 |
| Instrument Date | Dec 11, 2017 |
| Instrument | 211790 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 45 FLATWOODS RD, SPENCER, IN 47460-7413 |
Source: Owen County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Washington Township |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,452.00 (-10.41%) Homeowner's exemption | $420,600 (+29.61%) Land $28,000 Building $392,600 | $420,600 (+29.61%) Land $28,000 Building $392,600 |
| 2024 | $2,737.00 (+22.57%) | ||
| 2023 | $2,233.00 (-15.99%) | $324,500 (+11.47%) Land $23,400 Building $301,100 | $324,500 (+11.47%) Land $23,400 Building $301,100 |
| 2022 | $2,658.00 | $291,100 Land $23,400 Building $267,700 | $291,100 Land $23,400 Building $267,700 |
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 · 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 Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2008 · 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.
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.
Source: FCC Broadband Data Collection, based on 82 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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