602 E Morgan St, Spencer, IN 47460 Property Records

Owen County property record for 602 E Morgan St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,528 sqft · built 1955
Lot Size	0.187 acres (8,146 sqft)
Owner	Individual Name on Record
Tax Bill	$1,872 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-21-300-400.156-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-300-400.156-028`
Alternative APN	`00001035417`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,528 sqft Living Area
1st Floor Area	1,528 sqft
Basement Area	986 sqft
Unfinished Basement	986 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1980
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	8,146 sqft (0.187 acres)
Lot Dimensions	136 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	264 sqft
Shed	1 Shed
Shed Area	120 sqft
Lean-To	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001035417
Street Address	602 E MORGAN ST
City	SPENCER
State	IN
Zip	47460-1546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORNINGSIDE LOT 53
Legal Subdivision	MORNINGSIDE ADDITION
Legal Lot Number	53
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1043
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	602 E MORGAN ST, SPENCER, IN 47460-1546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage HALLMARK HOME MORTGAGE LLC
Oct 4, 2019	Deed of Trust, Mortgage OUR COMMUNITY BANK
Jun 19, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2023
Deed Sale	Jun 19, 2023
Prior Sale	Jan 3, 2011
Deed Document Number	2023233357
Prior Transfer Date	Jun 9, 2011
Prior Transfer Doc	0000187277
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	602 E MORGAN ST, SPENCER, IN 47460-1546
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000222914
Date	Dec 17, 2020
Instrument	222914

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	Jan 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	602 E MORGAN ST, SPENCER, IN 47460-1546
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217964
Date	Oct 4, 2019
Instrument	217964

Lender

Name	OUR COMMUNITY BANK
Type	Bank
Address	SPENCER, IN 47460

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Nov 2, 2034

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jun 19, 2023
Property Address	602 E MORGAN ST, SPENCER, IN 47460-1546
Document Number	0000233357
Map Reference	PL 88 PG 116
Instrument Date	Jun 16, 2023
Instrument	233357
Transaction Type	Transfer
Record Updated	Jul 28, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 E MORGAN ST, SPENCER, IN 47460-1546

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	$1,872.00 (-9.61%) Homeowner's exemption	$220,200 (+15.29%) Land $21,300 Building $198,900	$220,200 (+15.29%) Land $21,300 Building $198,900
2024	$2,071.00 (-1.15%)
2023	$2,095.00 (+21.8%)	$191,000 (+23.07%) Land $13,800 Building $177,200	$191,000 (+23.07%) Land $13,800 Building $177,200
2022	$1,720.00 Homeowner's exemption	$155,200 Land $14,100 Building $141,100	$155,200 Land $14,100 Building $141,100

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	15 (2003–2025)
Claims Outside the SFHA	4 of 15
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Apr 2025 · 2 claims Severe Storms, Flooding, And Tornadoes, Jun 2008 · 7 claims Severe Winter Storms And Flooding, Jan 2005 · 3 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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