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645 E Franklin St, Spencer, IN 47460 Property Records

Owen County property record for 645 E Franklin St, Spencer, IN 47460

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 903 sqft · built 1948
Lot Size0.187 acres (8,146 sqft)
OwnerIndividual Name on Record
Last Sale$85,000 (Feb 2019)
Tax Bill$45 (2025)
Deeds & MortgagesSep 2022 Transfer
Feb 2019 Sale
Flood ZoneZone X (minimal risk)
APN60-10-21-300-400.165-028

Property Details

APN / Parcel Number

Primary APN60-10-21-300-400.165-028
Alternative APN
  • 00001037564

Interior

Bedrooms2 Beds
Full Baths1 Bath
Plumbing Fixtures5 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area903 sqft Living Area
1st Floor Area903 sqft

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 1972
Construction TypeWood
Foundation TypeNo Foundation
Roof MaterialMetal
Lot Area8,146 sqft (0.187 acres)
Lot Dimensions135 ft deep x 60 ft wide
Garage TypeDetached
Garage Area336 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Heating SystemHeat Pump
Heating FuelGas
SewerConnected

Location & Zoning

Account Number00001037564
Street Address645 E FRANKLIN ST
CitySPENCER
StateIN
Zip47460-1827
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMORNINGSIDE LOT 62 **TOD TO MAUREEN KIP**
Legal SubdivisionMORNINGSIDE ADDITION
Legal Lot Number62
JurisdictionOWEN IN
Township / Civil DivisionWASHINGTON
Census Block Group1
Census Block1043
Census Tract955800

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 RecordIndividual Name on Record
Mailing Address645 E FRANKLIN ST, SPENCER, IN 47460-1827
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 30, 2022Transfer on Death Deed, Transfer
Feb 15, 2019Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 15, 2019 · Amount on Record
Deed SaleFeb 15, 2019 · Amount on Record
Prior SaleApr 1, 2011 · Amount on Record
Deed Document Number2019215481
Last Transfer DateSep 29, 2022
Transfer Doc0000230864
Record UpdatedSep 20, 2026

September 2022: Transfer on Death Deed, Transfer

Document TypeTransfer on Death Deed
JurisdictionOWEN IN
Recording DateSep 30, 2022
Property Address645 E FRANKLIN ST, SPENCER, IN 47460-1827
Document Number0000230864
Instrument DateSep 29, 2022
Instrument230864
Transaction TypeTransfer
Record UpdatedJun 12, 2023

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address645 E FRANKLIN ST, SPENCER, IN 47460-1827

Transferred To (Grantee/Buyer)

NameVerified Name

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOWEN IN
Recording DateFeb 15, 2019
Property Address645 E FRANKLIN ST, SPENCER, IN 47460-1827
Document Number0000215481
Instrument DateFeb 14, 2019
Instrument215481
Transaction TypeTransfer
Record UpdatedJun 12, 2023

Transaction

AmountAmount Recorded
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 E FRANKLIN ST, SPENCER, IN 47460-1827
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIndiana
CountyOwen County
County SubdivisionWashington Township
MunicipalitySpencer Town
Unified School DistrictSpencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$45.00 (+2.27%) Homeowner's exemption$95,000 (+29.08%) Land $21,300 Building $73,700$95,000 (+29.08%) Land $21,300 Building $73,700
2024$44.00 (+2.33%)
2023$43.00 (+2.38%)$73,600 Land $13,800 Building $59,800$73,600 Land $13,800 Building $59,800
2022$42.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims15 (2003–2025)
Claims Outside the SFHA4 of 15
Most Recent ClaimJun 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 RiskLow
lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood0.01% annual chance
ExposureIndirect
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 SystemBBP WATER COMPANY
serves 9,903 people · EPA ID IN5260001
Water SourceGroundwater
Last State InspectionAug 2025
Lead2 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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

ProviderMax 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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