563 E North St, Spencer, IN 47460 Property Records

Owen County property record for 563 E North St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 192 sqft · built 1962
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$124,400 (Aug 2006)
Tax Bill	$1,209 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-10-21-300-400.137-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-300-400.137-028`
Alternative APN	`00001037609`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	192 sqft Living Area
1st Floor Area	192 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Other
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	110 ft deep x 60 ft wide
Terrain	High
Shed	1 Shed
Shed Area	81 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001037609
Street Address	563 E NORTH ST
City	SPENCER
State	IN
Zip	47460-1551
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORNINGSIDE LOT 27
Legal Subdivision	MORNINGSIDE ADDITION
Legal Lot Number	27
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4020
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	Individual Name on Record
Mailing Address	563 E NORTH ST, SPENCER, IN 47460-1551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · Line of Credit INDIANA UNIVERSITY CU
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage HALLMARK HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2006 · Amount on Record
Deed Sale	Aug 8, 2006 · Amount on Record
Deed Document Number	2006167760
Deed Book / Page	226 / 622
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	563 E NORTH ST, SPENCER, IN 47460-1551
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	224408
Date	Apr 13, 2021
Instrument	224408

Lender

Name	INDIANA UNIVERSITY CU
Type	Credit Union
Address	BLOOMINGTON, IN 47401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	563 E NORTH ST, SPENCER, IN 47460-1551
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	220318
Date	May 13, 2020
Instrument	220318

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company
Address	FORT WAYNE, IN 46825

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

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	$1,209.00 (-7.57%) Homeowner's exemption	$159,500 (+22.04%) Land $18,000 Building $141,500	$159,500 (+22.04%) Land $18,000 Building $141,500
2024	$1,308.00 (+12.18%)
2023	$1,166.00 (+111.23%)	$130,700 Land $11,700 Building $119,000	$130,700 Land $11,700 Building $119,000
2022	$552.00

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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: South Central Indiana REMC.

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