5490 Spring St, Freedom, IN 47431 Property Records

Owen County property record for 5490 Spring St, Freedom, IN 47431

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 704 sqft · built 1900
Lot Size	0.181 acres (7,884 sqft)
Owner	Individual Name on Record
Last Sale	$152,000 (Dec 2023)
Tax Bill	$718 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2023 Mortgage + 3 more
Flood Zone	Zone A (high risk)
APN	`60-16-20-100-030.084-017`

Property Details

APN / Parcel Number

Primary APN	`60-16-20-100-030.084-017`
Alternative APN	`00000988394`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	704 sqft Living Area
1st Floor Area	704 sqft
Basement Area	396 sqft
Unfinished Basement	396 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	7,884 sqft (0.181 acres)
Lot Dimensions	120 ft deep x 66 ft wide
Terrain	Low
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Gravity Furnace
Heating Fuel	Gas

Location & Zoning

Account Number	00000988394
Street Address	5490 SPRING ST
City	FREEDOM
State	IN
Zip	47431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FREEDOM LOT 84
Legal Subdivision	TOWN OF FREEDOM
Legal Lot Number	84
Jurisdiction	OWEN IN
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2062
Census Tract	955900

Owner

Source: Owen County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 65, FREEDOM, IN 47431-0065
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage OWEN COUNTY STATE BANK
Dec 1, 2023	Personal Representative Deed, Transfer · Conventional Mortgage OWEN COUNTY STATE BANK
Dec 1, 2023	Personal Representative Deed, Transfer · Conventional Mortgage OWEN COUNTY STATE BANK
Jul 18, 2023	Transfer on Death Deed, Transfer
Apr 27, 2023	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Deed Document Number	2023235021
Prior Transfer Date	Apr 21, 2023
Prior Transfer Doc	0000232827
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Recording Date	Apr 27, 2026
Property Address	5490 SPRING ST, FREEDOM, IN 47431
Document Number	0000243486
Instrument Date	Apr 17, 2026
Instrument	2026243486
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	5490 SPRING ST, FREEDOM, IN 47431

Mortgage

Document Number	0000243486,
Date	Apr 27, 2026
Instrument	2026243486

Lender

Name	OWEN COUNTY STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	OWEN IN
Recording Date	Dec 1, 2023
Property Address	5490 SPRING ST, FREEDOM, IN 47431
Document Number	0000235021
Instrument Date	Nov 30, 2023
Instrument	235021
Transaction Type	Transfer
Record Updated	Dec 15, 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
Address	5490 SPRING ST, FREEDOM, IN 47431

Mortgage

Document Number	0000235022
Date	Dec 1, 2023
Instrument	235022

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2053

December 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	OWEN IN
Recording Date	Dec 1, 2023
Property Address	5490 SPRING ST, FREEDOM, IN 47431
Document Number	0000235021
Instrument Date	Nov 30, 2023
Instrument	235021
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5490 SPRING ST, FREEDOM, IN 47431

Mortgage

Document Number	0000235022
Date	Dec 1, 2023
Instrument	235022

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2053

July 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	OWEN IN
Recording Date	Jul 18, 2023
Property Address	5490 SPRING ST, FREEDOM, IN 47431
Document Number	0000233649
Instrument Date	Jul 7, 2023
Instrument	233649
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4360 N RIDGEWOOD DR, BLOOMINGTON, IN 47404-8920

April 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	OWEN IN
Recording Date	Apr 27, 2023
Property Address	5490 SPRING ST, FREEDOM, IN 47431
Document Number	0000232826
Instrument Date	Apr 21, 2023
Instrument	232826
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4360 N RIDGEWOOD DR, BLOOMINGTON, IN 47404-8920

Tax Assessment & Valuation

Source: Owen County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Owen County
County Subdivision	Franklin Township
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$718.00 Homeowner's exemption	$152,000 (+22.38%) Land $6,500 Building $145,500	$152,000 (+22.38%) Land $6,500 Building $145,500
2024	$718.00 (-5.9%)
2023	$763.00 (+4.95%)	$124,200 (+13.74%) Land $6,600 Building $117,600	$124,200 (+13.74%) Land $6,600 Building $117,600
2022	$727.00	$109,200 Land $6,600 Building $102,600	$109,200 Land $6,600 Building $102,600

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	4 in force
Nearby Flood Claims	7 (2008–2025)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 4 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	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 59 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

5G (outdoors only) and 4G LTE

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