Owen County property record for 65 Concord Rd, Spencer, IN 47460
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,448 sqft · built 1990 |
| Lot Size | 0.64 acres (27,878 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $176,500 (Mar 2020) |
| Tax Bill | $996 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-10-23-400-190.380-027 |
| Primary APN | 60-10-23-400-190.380-027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,448 sqft Living Area |
| 1st Floor Area | 1,448 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 27,878 sqft (0.64 acres) |
| Lot Dimensions | 275 ft deep x 102 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 00001028248 |
|---|---|
| Street Address | 65 CONCORD RD |
| City | SPENCER |
| State | IN |
| Zip | 47460-7511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 38 CONCORD VILLAS SUBDIVISION |
| Legal Subdivision | CONCORD VILLAS SUBDIVISION |
| Legal Lot Number | 38 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 955800 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 65 CONCORD RD, SPENCER, IN 47460-7511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2020 | Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Nov 19, 2018 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2020 · Amount on Record |
| Deed Sale | Mar 13, 2020 · Amount on Record |
| Prior Sale | Nov 19, 2018 · Amount on Record |
| Deed Document Number | 2020219740 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Mar 13, 2020 |
| Property Address | 65 CONCORD RD, SPENCER, IN 47460-7511 |
| Document Number | 219740 |
| Map Reference | MB 2 PG C10 |
| Instrument Date | Mar 5, 2020 |
| Instrument | 219740 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 65 CONCORD RD, SPENCER, IN 47460-7511 |
| Document Number | 219741 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 219741 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Nov 19, 2018 |
| Property Address | 65 CONCORD RD, SPENCER, IN 47460-7511 |
| Document Number | 214677 |
| Map Reference | MB 2 PG C-10 ENV 92B |
| Instrument Date | Nov 13, 2018 |
| Instrument | 214677 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 65 CONCORD RD, SPENCER, IN 47460-7511 |
| Document Number | 214678 |
|---|---|
| Date | Nov 19, 2018 |
| Instrument | 214678 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2033 |
Source: Owen County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Washington Township |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $996.00 (+17.18%) Homeowner's exemption | $200,900 (+31.91%) Land $21,200 Building $179,700 | $200,900 (+31.91%) Land $21,200 Building $179,700 |
| 2024 | $850.00 (+14.56%) | ||
| 2023 | $742.00 (+17.97%) | $152,300 Land $21,200 Building $131,100 | $152,300 Land $21,200 Building $131,100 |
| 2022 | $629.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| South Central Indiana REMC Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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