628 Cedar Ln, Spencer, IN 47460 Property Records

Owen County property record for 628 Cedar Ln, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,440 sqft · built 1957
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$111,600 (Dec 2018)
Tax Bill	$1,319 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-17-31-400-180.000-016`

Property Details

APN / Parcel Number

Primary APN	`60-17-31-400-180.000-016`
Alternative APN	`00000981160`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Basement Area	640 sqft
Unfinished Basement	640 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Stone
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	435,600 sqft (10 acres)
Garage Type	Detached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000981160
Street Address	628 CEDAR LN
City	SPENCER
State	IN
Zip	47460-6020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE SE S31 T9 R3 10A
Legal Range	3
Legal Township	9
Legal Section	31
Jurisdiction	OWEN IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3038
Census Tract	955900

Owner

628 Cedar Ln is owned and occupied by an individual who bought it in December 2018.

Source: Owen County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	628 CEDAR LN, SPENCER, IN 47460-6020
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Dec 26, 2018	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2018 · Amount on File
Deed Sale	Dec 26, 2018 · Amount on File
Prior Sale	Apr 24, 2006
Deed Document Number	2018215034
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	628 CEDAR LN, SPENCER, IN 47460-6020
Transaction Type	Mortgage
Record Updated	Feb 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000235612
Date	Feb 7, 2024
Instrument	235612

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 7, 2054

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Dec 26, 2018
Property Address	628 CEDAR LN, SPENCER, IN 47460-6020
Document Number	215034
Instrument Date	Dec 18, 2018
Instrument	215034
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 CEDAR LN, SPENCER, IN 47460-6020

Mortgage

Document Number	215035
Date	Dec 26, 2018
Instrument	215035

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 628 Cedar Ln was $1,319 with a homeowner's exemption, up 1.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,319.00 (+1.93%) Homeowner's exemption	$192,700 Land $89,000 Building $103,700	$192,700 Land $89,000 Building $103,700
2024	$1,294.00 (-10.33%)
2023	$1,443.00 (+10.15%)	$165,400 Land $75,000 Building $90,400	$165,400 Land $75,000 Building $90,400
2022	$1,310.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 628 Cedar Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1995.

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	2 in force
Nearby Flood Claims	6 (1995–2021)
Most Recent Claim	Jun 2021 · rainfall accumulation

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

Wildfire risk around 628 Cedar Ln is low, with a 0.01% annual chance of 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Smithville Communications Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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