458 S Harrison St, Spencer, IN 47460 Property Records

Owen County property record for 458 S Harrison St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,316 sqft · built 1968
Lot Size	0.204 acres (8,886 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Mar 2022)
Tax Bill	$1,203 (2025)
Deeds & Mortgages	Mar 2022 Sale Nov 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`60-10-29-100-600.002-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-29-100-600.002-028`
Alternative APN	`00001037472`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	8,886 sqft (0.204 acres)
Lot Dimensions	126 ft deep x 126 ft wide
Terrain	High
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001037472
Street Address	458 S HARRISON ST
City	SPENCER
State	IN
Zip	47460-1838
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER ORIGINAL N 1/2 LOT 55 SPENCER ORIGINAL N 1/2 LOT 56
Legal Subdivision	SPENCER
Legal Lot Number	55,56
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4057
Census Tract	955800

Owner

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 Record
Mailing Address	458 S HARRISON ST, SPENCER, IN 47460-1838
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Warranty Deed, Transfer
Nov 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Nov 27, 2018	Warranty Deed, Transfer · Conventional Mortgage OUR COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2022 · Amount on Record
Deed Sale	Mar 10, 2022 · Amount on Record
Prior Sale	Nov 9, 2021 · Amount on Record
Deed Document Number	2022228480
Prior Transfer Date	Oct 28, 2021
Prior Transfer Doc	0000227141
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Mar 10, 2022
Property Address	458 S HARRISON ST, SPENCER, IN 47460-1838
Document Number	0000228480
Map Reference	DD 1 PG 14
Instrument Date	Mar 9, 2022
Instrument	228480
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	458 S HARRISON ST, SPENCER, IN 47460-1838

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OWEN IN
Recording Date	Nov 9, 2021
Property Address	458 S HARRISON ST, SPENCER, IN 47460-1838
Document Number	0000227141
Map Reference	DD 1 PG 14
Instrument Date	Oct 28, 2021
Instrument	227141
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	458 S HARRISON ST, SPENCER, IN 47460-1838

Mortgage

Document Number	0000227142
Date	Nov 9, 2021
Instrument	227142

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Nov 27, 2018
Property Address	458 S HARRISON ST, SPENCER, IN 47460-1838
Document Number	0000214734
Map Reference	DD 1 PG 14
Instrument Date	Nov 26, 2018
Instrument	214734
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	458 S HARRISON ST, SPENCER, IN 47460-1838

Mortgage

Document Number	0000214735
Date	Nov 27, 2018
Instrument	214735

Lender

Name	OUR COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Mortgage

Document Number	0000214778
Date	Nov 30, 2018
Instrument	214778

Lender

Name	OUR COMMUNITY BANK
Type	Bank
Address	SPENCER, IN 47460

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

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
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	$1,203.00 (+5.62%) Homeowner's exemption	$158,900 (+42.77%) Land $22,000 Building $136,900	$158,900 (+42.77%) Land $22,000 Building $136,900
2024	$1,139.00 (+28.27%)
2023	$888.00 (+8.03%)	$111,300 Land $6,700 Building $104,600	$111,300 Land $6,700 Building $104,600
2022	$822.00

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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: South Central Indiana REMC, T-Mobile.

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