Owen County property record for 4768 E Carmichael Ln, Spencer, IN 47460 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Year Built | Built 2021 |
| Square Footage | 1,584 sqft Living Area |
| Lot Size | 275,256 sqft (6.31 acres) |
| Garage | Detached, 720 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $50,000 (2013) |
| Tax Bill | $2,234.00 (2025) |
| Primary APN | 60-11-16-100-020.330-022 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Baths |
|---|---|
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Building Area | 1,584 sqft Living Area |
| 1st Floor | 1,584 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Construction Type | Wood Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 275,256 sqft (6.31 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 720 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 336 sqft Shed |
| Heating System | Central Heating |
|---|
| Account Number | 00001007164 |
|---|---|
| Street Address | 4768 E CARMICHAEL LN |
| City | SPENCER |
| State | IN |
| Zip | 47460-6512 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 46 WEST ADDITION B-33 6.3185A |
| Legal Subdivision | FORTY SIX WEST SUBDIVISION |
| Jurisdiction | OWEN IN |
| Minor Civil Division | LAFAYETTE |
| Census Blockgroup | 2 |
| Census Block | 2033 |
| Census Tract | 955701 |
Source: Owen County records · APN 60-11-16-100-020.330-022
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 4768 E CARMICHAEL LN, SPENCER, IN 47460-6512 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 11, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage TOP FLITE FINANCIAL INC |
| Sep 19, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage TOP FLITE FINANCIAL INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 21, 2013 · Amount on Record |
| Deed Sale | Oct 21, 2013 · Amount on Record |
| Deed Doc Number | 20134916182 |
| Prior Transfer Date | Jun 15, 2010 |
| Prior Transfer Doc | 0000183862 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 4768 E CARMICHAEL LN, SPENCER, IN 47460-6512 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4768 E CARMICHAEL LN, SPENCER, IN 47460-6512 |
| Document Number | 0000242176 |
|---|---|
| Date | Dec 11, 2025 |
| Instrument | 242176 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | WILLIAMSTON, MI 48895 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 4768 E CARMICHAEL LN, SPENCER, IN 47460-6512 |
| Transaction Type | Mortgage |
| Record Updated | Oct 04, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000234328 |
|---|---|
| Date | Sep 19, 2023 |
| Instrument | 234328 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | WILLIAMSTON, MI 48895 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
Source: Owen County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Lafayette Township |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,234.00 (+28.91%) Homeowner's exemption | $339,600 (+49.08%) Land $68,200 Building $271,400 | $339,600 (+49.08%) Land $68,200 Building $271,400 |
| 2024 | $1,733.00 (+2.36%) | ||
| 2023 | $1,693.00 (-50.35%) | $227,800 (+4.74%) Land $46,900 Building $180,900 | $227,800 (+4.74%) Land $46,900 Building $180,900 |
| 2022 | $3,410.00 | $217,500 Land $46,900 Building $170,600 | $217,500 Land $46,900 Building $170,600 |
4768 E Carmichael Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Owen County (18119C), updated August 9, 2019
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 73rd in Indiana |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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