652 Freeman Rd, Spencer, IN 47460 Property Records

Owen County property record for 652 Freeman Rd, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,405 sqft · built 2022
Lot Size	4.36 acres (189,922 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,811 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-28-300-560.003-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-28-300-560.003-027`
Alternative APN	`00003380574`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,405 sqft Living Area
1st Floor Area	2,405 sqft
Attic	Attic
Attic Area	1,000 sqft
Basement Area	2,405 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Wood
Roof Material	Asphalt
Lot Area	189,922 sqft (4.36 acres)
Garage Type	Attached
Garage Area	1,000 sqft
Parking Spaces	3 Parking Spaces
Lean-To	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	00003380574
Street Address	652 FREEMAN RD
City	SPENCER
State	IN
Zip	47460-7422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN SW S28 T10 R3 4.36A AKA TRACT 2
Legal Range	3
Legal Township	10
Legal Section	28
Legal Tract	2
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1006
Census Tract	955900

Owner

Source: Owen County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	652 FREEMAN RD, SPENCER, IN 47460-7422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage OWEN COUNTY STATE BANK
Feb 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage OWEN COUNTY STATE BANK
Oct 7, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2021
Deed Sale	Oct 7, 2021
Deed Document Number	2021226760
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	652 FREEMAN RD, SPENCER, IN 47460-7422
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232168
Date	Feb 17, 2023
Instrument	232168

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank
Address	SPENCER, IN 47460

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2028
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	7.87%
Index	5-Year CMT
Max Rate	11.8%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	652 FREEMAN RD, SPENCER, IN 47460-7422
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232054
Date	Feb 3, 2023
Instrument	232054

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank
Address	SPENCER, IN 47460

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Oct 7, 2021
Property Address	652 FREEMAN RD, SPENCER, IN 47460-7422
Document Number	0000226760
Instrument Date	Oct 7, 2021
Instrument	226760
Transaction Type	Transfer
Record Updated	Jul 1, 2026

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	257 MIDDLE ST, SPENCER, IN 47460-1213

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	$4,811.00 (-8.45%) Homeowner's exemption	$653,600 (+12.57%) Land $57,500 Building $596,100	$653,600 (+12.57%) Land $57,500 Building $596,100
2024	$5,255.00 (-40.8%)
2023	$8,877.00 (+2,541.96%)	$580,600 (+2,788.56%) Land $46,800 Building $533,800	$580,600 (+2,788.56%) Land $46,800 Building $533,800
2022	$336.00	$20,100 Land $20,100	$20,100 Land $20,100

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 Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2008 · 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

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 33 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

Cell Coverage

5G and 4G LTE (outdoors only)

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