455 Freeman Rd, Spencer, IN 47460 Property Records

Owen County property record for 455 Freeman Rd, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 984 sqft · built 1965
Lot Size	2.65 acres (115,434 sqft)
Owner	Individual Name on File
Last Sale	$142,151 (Oct 2023)
Tax Bill	$1,025 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-28-300-470.000-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-28-300-470.000-027`
Alternative APN	`00001030652`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
1st Floor Area	984 sqft
Basement Area	984 sqft
Finished Basement	984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Roof Material	Metal
Lot Area	115,434 sqft (2.65 acres)
Terrain	High
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001030652
Street Address	455 FREEMAN RD
City	SPENCER
State	IN
Zip	47460-7421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW SW S28 T10 R3 2.65A
Legal Range	3
Legal Township	10
Legal Section	28
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1004
Census Tract	955900

Owner

455 Freeman Rd is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	455 FREEMAN RD, SPENCER, IN 47460-7421
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

Date	Document
Sep 18, 2025	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 31, 2023	Warranty Deed, Transfer · VA Mortgage FIRST COMMUNITY MORTGAGE INC
Feb 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2023 · Amount on File
Deed Sale	Oct 31, 2023 · Amount on File
Deed Document Number	2023234741
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	455 FREEMAN RD, SPENCER, IN 47460-7421
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 FREEMAN RD, SPENCER, IN 47460-7421

Mortgage

Document Number	0000241299
Date	Sep 18, 2025
Instrument	241299

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Oct 31, 2023
Property Address	455 FREEMAN RD, SPENCER, IN 47460-7421
Document Number	0000234741
Instrument Date	Oct 27, 2023
Instrument	234741
Transaction Type	Transfer
Record Updated	Nov 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 FREEMAN RD, SPENCER, IN 47460-7421

Mortgage

Document Number	0000234742
Date	Oct 31, 2023
Instrument	234742

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	455 FREEMAN RD, SPENCER, IN 47460-7421
Transaction Type	Mortgage
Record Updated	Mar 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	215568
Date	Feb 28, 2019
Instrument	215568

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 455 Freeman Rd was $1,025 with a homeowner's exemption, down 3.3% 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
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,025.00 (-3.3%) Homeowner's exemption	$174,900 Land $44,900 Building $130,000	$174,900 Land $44,900 Building $130,000
2024	$1,060.00 (-2.75%)
2023	$1,090.00 (-1.8%)	$149,300 (+8.11%) Land $38,300 Building $111,000	$149,300 (+8.11%) Land $38,300 Building $111,000
2022	$1,110.00	$138,100 Land $37,000 Building $101,100	$138,100 Land $37,000 Building $101,100

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

Flood

FEMA maps place 455 Freeman Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

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.

Wildfire

Wildfire risk around 455 Freeman 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 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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Freeman Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures