51 E Morgan St, Spencer, IN 47460 Property Records

Owen County property record for 51 E Morgan St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,743 sqft · built 1860
Lot Size	0.097 acres (4,225 sqft)
Owner	Company Name on Record
Last Sale	$65,000 (Apr 2019)
Tax Bill	$3,360 (2025)
Deeds & Mortgages	Aug 2019 Mortgage May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-400-400.420-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.420-028`
Alternative APN	`00001037724`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,743 sqft Living Area
1st Floor Area	1,743 sqft
Basement Area	896 sqft
Finished Basement	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1970
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	4,225 sqft (0.097 acres)
Lot Dimensions	68 ft deep x 63 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001037724
Street Address	51 E MORGAN ST
City	SPENCER
State	IN
Zip	47460-1444
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER W 1/2 LOT 133
Legal Subdivision	SPENCER
Legal Lot Number	133
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4028
Census Tract	955800

Owner

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	Company Name on Record
Mailing Address	3113 DUNN RD, FREEDOM, IN 47431-7091
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2019	Deed of Trust, Mortgage · Commercial Mortgage OUR COMMUNITY BANK
May 26, 2022	Deed of Trust, Mortgage · Line of Credit CRANE CU
Apr 5, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2019 · Amount on Record
Deed Sale	Apr 5, 2019 · Amount on Record
Prior Sale	Oct 11, 2013 · Amount on Record
Deed Document Number	2019215868
Prior Transfer Date	Jan 21, 2015
Prior Transfer Doc	0000200398
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	51 E MORGAN ST, SPENCER, IN 47460-1444
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217452
Date	Aug 22, 2019
Instrument	217452

Lender

Name	OUR COMMUNITY BANK
Type	Bank
Address	SPENCER, IN 47460

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Aug 21, 2021

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	51 E MORGAN ST, SPENCER, IN 47460-1444
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000229447
Date	May 26, 2022
Instrument	229447

Lender

Name	CRANE CU
Type	Credit Union
Address	ODON, IN 47562

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	132 Months
Due	May 28, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Apr 5, 2019
Property Address	51 E MORGAN ST, SPENCER, IN 47460-1444
Document Number	0000215868
Map Reference	DD 1 PG 14
Instrument Date	Apr 4, 2019
Instrument	215868
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	3113 DUNN RD, FREEDOM, IN 47431-7091

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	$3,360.00 (+13.36%)	$177,900 (+29.76%) Land $12,400 Building $165,500	$177,900 (+29.76%) Land $12,400 Building $165,500
2024	$2,964.00 (+8.1%)
2023	$2,742.00 (+20.47%)	$137,100 Land $10,200 Building $126,900	$137,100 Land $10,200 Building $126,900
2022	$2,276.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
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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