506 Cuba Rd, Spencer, IN 47460 Property Records

Owen County property record for 506 Cuba Rd, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,840 sqft · built 2021
Lot Size	8.82 acres (384,199 sqft)
Owner	Individual Name on File
Tax Bill	$2,114 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`60-07-19-400-250.001-024`

Property Details

APN / Parcel Number

Primary APN	`60-07-19-400-250.001-024`
Alternative APN	`00004063005`

Interior

Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,840 sqft Living Area
1st Floor Area	1,840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	384,199 sqft (8.82 acres)
Garage Type	Attached
Garage Area	1,680 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00004063005
Street Address	506 CUBA RD
City	SPENCER
State	IN
Zip	47460-5446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT E 1/2 SE S19 T11 R3 8.82A
Legal Range	3
Legal Township	11
Legal Section	19
Jurisdiction	OWEN IN
Township / Civil Division	MONTGOMERY
Census Block Group	2
Census Block	2034
Census Tract	955600

Owner

506 Cuba Rd is owned and occupied by an individual who acquired it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	506 CUBA RD, SPENCER, IN 47460-5446
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
Oct 6, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK
Jan 26, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2021
Deed Sale	Jan 26, 2021
Deed Document Number	2021223356
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	506 CUBA RD, SPENCER, IN 47460-5446
Transaction Type	Mortgage
Record Updated	Feb 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	556 CUBA RD, SPENCER, IN 47460-5446

Mortgage

Document Number	0000226747
Date	Oct 6, 2021
Instrument	226747

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	CLOVERDALE, IN 46120

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Sep 15, 2036

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jan 26, 2021
Property Address	506 CUBA RD, SPENCER, IN 47460-5446
Document Number	0000223356
Instrument Date	Oct 27, 2020
Instrument	223356
Transaction Type	Transfer
Record Updated	Feb 23, 2023

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3492 PUMPKIN RIDGE RD, CLOVERDALE, IN 46120-8094

Tax Assessment & Valuation

The 2025 property tax bill for 506 Cuba Rd was $2,114 with a homeowner's exemption, up 44.5% 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	Montgomery Township
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,114.00 (+44.5%) Homeowner's exemption	$355,700 Land $27,100 Building $328,600	$355,700 Land $27,100 Building $328,600
2024	$1,463.00 (+9.75%)
2023	$1,333.00 (-4.31%)	$203,500 (+8.07%) Land $22,300 Building $181,200	$203,500 (+8.07%) Land $22,300 Building $181,200
2022	$1,393.00	$188,300 Land $21,000 Building $167,300	$188,300 Land $21,000 Building $167,300

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

Flood

FEMA maps place 506 Cuba 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	Jun 2008 · Severe Storms, Flooding, And Tornadoes

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 506 Cuba 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
South Central Indiana REMC Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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