Owen County property record for 515 E Jefferson St, Spencer, IN 47460
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,008 sqft · built 1950 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $68,800 (Sep 2019) |
| Tax Bill | $788 (2025) |
| Deeds & Mortgages | May 2020 Line of Credit Sep 2019 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 60-10-21-300-400.358-028 |
| Primary APN | 60-10-21-300-400.358-028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 113 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 392 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 00001037133 |
|---|---|
| Street Address | 515 E JEFFERSON ST |
| City | SPENCER |
| State | IN |
| Zip | 47460-1847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDERS LOT 23 |
| Legal Subdivision | WINDER S ADDITION |
| Legal Lot Number | 23 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 4 |
| Census Block | 4053 |
| Census Tract | 955800 |
515 E Jefferson St is owned and occupied by an individual who bought it in September 2019.
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 File |
|---|---|
| Mailing Address | 515 E JEFFERSON ST, SPENCER, IN 47460-1847 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2020 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Sep 30, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage HALLMARK HOME MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2019 · Amount on File |
| Deed Sale | Sep 30, 2019 · Amount on File |
| Deed Document Number | 2019217910 |
| Prior Transfer Date | Sep 27, 2019 |
| Prior Transfer Doc | 217910 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 515 E JEFFERSON ST, SPENCER, IN 47460-1847 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 220321 |
|---|---|
| Date | May 13, 2020 |
| Instrument | 220321 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Sep 30, 2019 |
| Property Address | 515 E JEFFERSON ST, SPENCER, IN 47460-1847 |
| Document Number | 217910 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 217910 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 E JEFFERSON ST, SPENCER, IN 47460-1847 |
| Document Number | 217911 |
|---|---|
| Date | Sep 30, 2019 |
| Instrument | 217911 |
| Name | HALLMARK HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 515 E Jefferson St was $788 with a homeowner's exemption, down 18.1% from the year before.
Source: Owen County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Washington Township |
| Municipality | Spencer Town |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $788.00 (-18.09%) Homeowner's exemption | $120,700 Land $16,400 Building $104,300 | $120,700 Land $16,400 Building $104,300 |
| 2024 | $962.00 (+10.7%) | ||
| 2023 | $869.00 (+51.92%) | $109,900 Land $20,900 Building $89,000 | $109,900 Land $20,900 Building $89,000 |
| 2022 | $572.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 515 E Jefferson St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 515 E Jefferson St 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
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