656 E Morgan St, Spencer, IN 47460 Property Records

Owen County property record for 656 E Morgan St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,372 sqft · built 1958
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$121,900 (Mar 2005)
Tax Bill	$1,426 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-21-300-400.158-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-300-400.158-028`
Alternative APN	`00001037462`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,372 sqft Living Area
1st Floor Area	1,372 sqft
Basement Area	1,156 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1965
Construction Type	Masonry / Concrete Block
Roof Material	Metal
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	136 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001037462
Street Address	656 E MORGAN ST
City	SPENCER
State	IN
Zip	47460-1546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORNINGSIDE LOT 55
Legal Subdivision	MORNINGSIDE ADDITION
Legal Lot Number	55
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1043
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	656 E MORGAN ST, SPENCER, IN 47460-1546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Deed of Trust, Mortgage · Line of Credit THE PEOPLES STATE BANK
Mar 26, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 30, 2023	Deed of Trust, Mortgage · Line of Credit THE PEOPLES STATE BANK
Sep 9, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage OWEN COUNTY STATE BANK
Dec 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2005 · Amount on Record
Deed Sale	Mar 8, 2005 · Amount on Record
Deed Document Number	2005160198
Deed Book / Page	218 / 431
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	656 E MORGAN ST, SPENCER, IN 47460-1546
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 E MORGAN ST, SPENCER, IN 47460-1546

Mortgage

Document Number	0000242873
Date	Mar 4, 2026
Instrument	242873

Lender

Name	THE PEOPLES STATE BANK
Type	Bank
Address	ELLETTSVILLE, IN 47429

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Feb 27, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	656 E MORGAN ST, SPENCER, IN 47460-1546
Transaction Type	Mortgage
Record Updated	Apr 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 E MORGAN ST, SPENCER, IN 47460-1546

Mortgage

Document Number	0000236058
Date	Mar 26, 2024
Instrument	236058

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2034

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	656 E MORGAN ST, SPENCER, IN 47460-1546
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 E MORGAN ST, SPENCER, IN 47460-1546

Mortgage

Document Number	0000234725
Date	Oct 30, 2023
Instrument	234725

Lender

Name	THE PEOPLES STATE BANK
Type	Bank
Address	ELLETTSVILLE, IN 47429

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 25, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	656 E MORGAN ST, SPENCER, IN 47460-1546
Transaction Type	Mortgage
Record Updated	Sep 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	217642
Date	Sep 9, 2019
Instrument	217642

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 4, 2029

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	656 E MORGAN ST, SPENCER, IN 47460-1546
Transaction Type	Mortgage
Record Updated	Dec 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 211242
Date	Dec 4, 2017
Instrument	211242

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2032

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,426.00 (-11.1%) Homeowner's exemption	$179,500 (+18.17%) Land $21,300 Building $158,200	$179,500 (+18.17%) Land $21,300 Building $158,200
2024	$1,604.00 (+9.94%)
2023	$1,459.00 (+24.81%)	$151,900 Land $13,800 Building $138,100	$151,900 Land $13,800 Building $138,100
2022	$1,169.00

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	Indirect 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 System	BBP WATER COMPANY serves 9,903 people · EPA ID IN5260001
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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

Provider	Max 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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