667 E Franklin St, Spencer, IN 47460 Property Records

Owen County property record for 667 E Franklin St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1954
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$75,500 (Feb 2018)
Tax Bill	$584 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-21-300-400.166-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-300-400.166-028`
Alternative APN	`00001036633`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1970
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	136 ft deep x 39 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001036633
Street Address	667 E FRANKLIN ST
City	SPENCER
State	IN
Zip	47460-1827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORNINGSIDE PT LOT 63
Legal Subdivision	MORNINGSIDE ADDITION
Legal Lot Number	63
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	667 E FRANKLIN ST, SPENCER, IN 47460-1827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2024	Deed of Trust, Mortgage · Line of Credit OWEN COUNTY STATE BANK
Feb 26, 2018	Warranty Deed, Transfer · Conventional Mortgage OWEN COUNTY STATE BANK
Oct 27, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2018 · Amount on Record
Deed Sale	Feb 26, 2018 · Amount on Record
Prior Sale	Oct 27, 2017 · Amount on Record
Deed Document Number	2018212005
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	667 E FRANKLIN ST, SPENCER, IN 47460-1827
Transaction Type	Mortgage
Record Updated	Apr 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	667 E FRANKLIN ST, SPENCER, IN 47460-1827

Mortgage

Document Number	0000236273
Date	Apr 17, 2024
Instrument	236273

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 17, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Feb 26, 2018
Property Address	667 E FRANKLIN ST, SPENCER, IN 47460-1827
Document Number	0000212005
Map Reference	PL88 PG116
Instrument Date	Feb 23, 2018
Instrument	212005
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	667 E FRANKLIN ST, SPENCER, IN 47460-1827

Mortgage

Document Number	0000212006
Date	Feb 26, 2018
Instrument	212006

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Oct 27, 2017
Property Address	667 E FRANKLIN ST, SPENCER, IN 47460-1827
Document Number	0000210797
Map Reference	MB88 PG116
Instrument Date	Oct 25, 2017
Instrument	210797
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	279 W NORTH ST, SPENCER, IN 47460-1225

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	$584.00 (+9.36%) Homeowner's exemption	$101,900 (+27.22%) Land $15,500 Building $86,400	$101,900 (+27.22%) Land $15,500 Building $86,400
2024	$534.00 (+18.67%)
2023	$450.00 (+9.22%)	$80,100 Land $10,000 Building $70,100	$80,100 Land $10,000 Building $70,100
2022	$412.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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