65 Ginger St, Spencer, IN 47460 Property Records

Owen County property record for 65 Ginger St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,566 sqft · built 2011
Lot Size	0.992 acres (43,212 sqft)
Owner	Individual Name on Record
Tax Bill	$3,457 (2025)
Deeds & Mortgages	Aug 2011 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-24-400-530.100-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-24-400-530.100-027`
Alternative APN	`00001032204`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,566 sqft Living Area
1st Floor Area	2,566 sqft
Basement Area	2,566 sqft
Finished Basement	2,566 sqft
Family Room	Family Room

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Mobile Home
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	43,212 sqft (0.992 acres)
Lot Dimensions	180 ft deep x 120 ft wide
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,196 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001032204
Street Address	65 GINGER ST
City	SPENCER
State	IN
Zip	47460-7437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NEWPORT MANOR LOTS J & K
Legal Subdivision	NEWPORT MANOR
Legal Lot Number	J,K
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1016
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	65 GINGER ST, SPENCER, IN 47460-7437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2011	Deed of Trust, Mortgage · ARM INDIANA UNIVERSITY CREDIT UNION
Jun 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Dec 12, 2005	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2005
Deed Sale	Dec 12, 2005
Deed Document Number	2005164381
Deed Book / Page	223 / 116
Record Updated	Sep 20, 2026

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	65 GINGER ST, SPENCER, IN 47460-7437
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000187765
Date	Aug 8, 2011
Instrument	187765

Lender

Name	INDIANA UNIVERSITY CREDIT UNION
Address	BLOOMINGTON, IN 47401

Agreement

Type	ARM
Amount	Amount Recorded
Term	372 Months
Due	Aug 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Aug 4, 2011
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	1-Year T-Bill
Max Rate	8.87%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	65 GINGER ST, SPENCER, IN 47460-7437
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000216681
Date	Jun 20, 2019
Instrument	216681

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2039

December 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Dec 12, 2005
Property Address	65 GINGER ST, SPENCER, IN 47460-7437
Document Number	000223/116
Book / Page	223 / 116
Map Reference	MB1 PG331
Instrument Date	Nov 13, 2005
Instrument	164381
Transaction Type	Transfer
Record Updated	Feb 26, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 GINGER ST, SPENCER, IN 47460-7437

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
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,457.00 (-2.98%) Homeowner's exemption	$505,000 (+21.39%) Land $29,800 Building $475,200	$505,000 (+21.39%) Land $29,800 Building $475,200
2024	$3,563.00 (+3.55%)
2023	$3,441.00 (-1.15%)	$416,000 Land $24,800 Building $391,200	$416,000 Land $24,800 Building $391,200
2022	$3,481.00

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 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	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 54 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
AT&T Fixed Wireless	100 / 20

May also be available: Smithville Communications.

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