Owen County property record for 561 E Franklin St, Spencer, IN 47460
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 972 sqft · built 1956 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $2,255 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Aug 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-10-21-300-400.162-028 |
| Primary APN | 60-10-21-300-400.162-028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 972 sqft Living Area |
| 1st Floor Area | 972 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 136 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 00001037590 |
|---|---|
| Street Address | 561 E FRANKLIN ST |
| City | SPENCER |
| State | IN |
| Zip | 47460-1908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MORNINGSIDE LOT 59. |
| Legal Subdivision | MORNINGSIDE ADDITION |
| Legal Lot Number | 59 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 955800 |
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 |
| Date | Document |
|---|---|
| Oct 2, 2020 | Deed of Trust, Mortgage INDIANA UNIVERSITY CU |
| Aug 21, 2020 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2020 |
| Deed Sale | Aug 21, 2020 |
| Deed Document Number | 2020221448 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 561 E FRANKLIN ST, SPENCER, IN 47460-1908 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000221967 |
|---|---|
| Date | Oct 2, 2020 |
| Instrument | 221967 |
| Name | INDIANA UNIVERSITY CU |
|---|---|
| Type | Credit Union |
| Address | BLOOMINGTON, IN 47401 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Oct 15, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Aug 21, 2020 |
| Property Address | 561 E FRANKLIN ST, SPENCER, IN 47460-1908 |
| Document Number | 0000221448 |
| Map Reference | MB 88 PG 116 |
| Instrument Date | Aug 20, 2020 |
| Instrument | 221448 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3113 DUNN RD, FREEDOM, IN 47431-7091 |
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 | $2,255.00 (+15.88%) | $119,400 (+32.37%) Land $21,300 Building $98,100 | $119,400 (+32.37%) Land $21,300 Building $98,100 |
| 2024 | $1,946.00 (+7.87%) | ||
| 2023 | $1,804.00 (+21.07%) | $90,200 Land $13,800 Building $76,400 | $90,200 Land $13,800 Building $76,400 |
| 2022 | $1,490.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
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.
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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