58 E Clay St, Spencer, IN 47460 Property Records

Owen County property record for 58 E Clay St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,324 sqft · built 1950
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Aug 2017)
Tax Bill	$713 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jul 2019 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`60-10-29-100-600.017-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-29-100-600.017-028`
Alternative APN	`00001035740`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,324 sqft Living Area
1st Floor Area	1,324 sqft
Basement Area	940 sqft
Unfinished Basement	940 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	68 ft deep x 59 ft wide
Terrain	High
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Gravity Furnace
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001035740
Street Address	58 E CLAY ST
City	SPENCER
State	IN
Zip	47460-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER 59 FT OFF PT LOT 116
Legal Lot Number	116
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4055
Census Tract	955800

Owner

Source: Owen County records, as of July 17, 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	58 E CLAY ST, SPENCER, IN 47460-1702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2020	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 16, 2019	Deed of Trust, Mortgage · Line of Credit THE PEOPLES STATE BANK
Dec 12, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Aug 3, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2017 · Amount on Record
Deed Sale	Aug 3, 2017 · Amount on Record
Deed Document Number	2017209832
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	58 E CLAY ST, SPENCER, IN 47460-1702
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000219013
Date	Jan 2, 2020
Instrument	219013

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	58 E CLAY ST, SPENCER, IN 47460-1702
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217063
Date	Jul 16, 2019
Instrument	217063

Lender

Name	THE PEOPLES STATE BANK
Type	Bank
Address	ELLETTSVILLE, IN 47429

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 3, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	58 E CLAY ST, SPENCER, IN 47460-1702
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 E CLAY ST, SPENCER, IN 47460-1702

Mortgage

Document Number	0000231575
Date	Dec 12, 2022
Instrument	231575

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Dec 1, 2062

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Aug 3, 2017
Property Address	58 E CLAY ST, SPENCER, IN 47460-1702
Document Number	0000209832
Instrument Date	Jul 31, 2017
Instrument	209832
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
Relationship	Joint Tenants with Right of Survivorship
Address	58 E CLAY ST, SPENCER, IN 47460-1702

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	$713.00 (+43.17%) Homeowner's exemption	$124,100 (+39.91%) Land $12,400 Building $111,700	$124,100 (+39.91%) Land $12,400 Building $111,700
2024	$498.00 (+78.49%)
2023	$279.00 (-50.71%)	$88,700 Land $3,800 Building $84,900	$88,700 Land $3,800 Building $84,900
2022	$566.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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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