680 E North St, Spencer, IN 47460 Property Records

Owen County property record for 680 E North St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,300 sqft · built 1960
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,850 (Apr 2026)
Tax Bill	$1,343 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Nov 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-21-300-400.146-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-300-400.146-028`
Alternative APN	`00001035989`

Interior

Bedrooms	2 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	1,300 sqft Living Area
1st Floor Area	1,300 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	64 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001035989
Street Address	680 E NORTH ST
City	SPENCER
State	IN
Zip	47460-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORNINGSIDE ADD N 1/2 LOT 39 MORNINGSIDE ADD N 1/2 LOT 40
Legal Subdivision	MORNINGSIDE ADDITION
Legal Lot Number	39,40
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1042
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	2 Individual Names on Record
Mailing Address	680 E NORTH ST, SPENCER, IN 47460-1554
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2020	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK
Nov 15, 2021	Deed of Trust, Mortgage · Line of Credit THE PEOPLES STATE BANK
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage OWEN COUNTY STATE BANK
Jun 21, 2021	Warranty Deed, Transfer · Conventional Mortgage PEOPLES STATE BANK
Oct 11, 2019	Personal Representative Deed, Transfer
May 22, 2012	Warranty Deed, Transfer · Conventional Mortgage INDIANA UNIVERSITY CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2026 · Amount on Record
Deed Sale	Apr 7, 2026 · Amount on Record
Prior Sale	Jun 21, 2021 · Amount on Record
Deed Document Number	2026243277
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	680 E NORTH ST, SPENCER, IN 47460-1554
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221031
Date	Jul 17, 2020
Instrument	221031

Lender

Name	COMMUNITY BANK
Type	Bank
Address	SPENCER, IN 47460

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 13, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	680 E NORTH ST, SPENCER, IN 47460-1554
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 E NORTH ST, SPENCER, IN 47460-1554
Investor	Possibly a Property Investor

Mortgage

Document Number	0000227177
Date	Nov 15, 2021
Instrument	227177

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 8, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Apr 7, 2026
Property Address	680 E NORTH ST, SPENCER, IN 47460-1554
Document Number	0000243277
Instrument Date	Apr 2, 2026
Instrument	2026243277
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 E NORTH ST, SPENCER, IN 47460-1554

Mortgage

Document Number	0000243278,
Date	Apr 7, 2026
Instrument	2026243278

Lender

Name	OWEN COUNTY STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jun 21, 2021
Property Address	680 E NORTH ST, SPENCER, IN 47460-1554
Document Number	0000225321
Instrument Date	Jun 17, 2021
Instrument	225321
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	680 E NORTH ST, SPENCER, IN 47460-1554
Investor	Possibly a Property Investor

Mortgage

Document Number	0000225322
Date	Jun 21, 2021
Instrument	225322

Lender

Name	PEOPLES STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	OWEN IN
Recording Date	Oct 11, 2019
Property Address	680 E NORTH ST, SPENCER, IN 47460-1554
Document Number	0000218039
Map Reference	DD 88 PG 117
Instrument Date	Oct 10, 2019
Instrument	218039
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 E NORTH ST, SPENCER, IN 47460-1554

May 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	May 22, 2012
Property Address	680 E NORTH ST, SPENCER, IN 47460-1554
Document Number	0000190905
Map Reference	DD88 PG117
Instrument Date	May 22, 2012
Instrument	190905
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	680 E NORTH ST, SPENCER, IN 47460-1554

Mortgage

Document Number	0000190906
Date	May 22, 2012
Instrument	190906

Lender

Name	INDIANA UNIVERSITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2042

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	$1,343.00 (-14.68%) Homeowner's exemption	$171,800 (+15.77%) Land $20,500 Building $151,300	$171,800 (+15.77%) Land $20,500 Building $151,300
2024	$1,574.00 (+11.71%)
2023	$1,409.00 (+33.81%)	$148,400 Land $13,300 Building $135,100	$148,400 Land $13,300 Building $135,100
2022	$1,053.00

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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