705 E Morgan St, Spencer, IN 47460 Property Records

Owen County property record for 705 E Morgan St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,496 sqft · built 1966
Lot Size	0.59 acres (25,700 sqft)
Owner	Individual Name on Record
Last Sale	$266,000 (May 2024)
Tax Bill	$4,814 (2025)
Deeds & Mortgages	May 2024 Mortgage Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`60-10-21-300-400.109-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-300-400.109-028`
Alternative APN	`00001036950`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,496 sqft Living Area
1st Floor Area	1,496 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1975
Construction Type	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	25,700 sqft (0.59 acres)
Lot Dimensions	94 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001036950
Street Address	705 E MORGAN ST
City	SPENCER
State	IN
Zip	47460-1547
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 LOT 25 W 1/2 LOT 26
Legal Subdivision	MAYFAIR ADDITION
Legal Lot Number	24,25
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1039
Census Tract	955800

Owner

Source: Owen County records, as of October 20, 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	1686 HANCOCK SCHOOL RD, SPENCER, IN 47460-6265
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2024	Warranty Deed, Transfer · Commercial Mortgage OWEN COUNTY STATE BANK
Mar 30, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2024 · Amount on Record
Deed Sale	May 6, 2024 · Amount on Record
Prior Sale	Mar 30, 2021
Deed Document Number	2024236484
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	May 6, 2024
Property Address	705 E MORGAN ST, SPENCER, IN 47460-1547
Document Number	0000236484
Map Reference	MB 1 PG 277
Instrument Date	May 2, 2024
Instrument	236484
Transaction Type	Transfer
Record Updated	May 20, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1686 HANCOCK SCHOOL RD, SPENCER, IN 47460-6265
Investor	Possibly a Property Investor

Mortgage

Document Number	0000236485
Date	May 6, 2024
Instrument	236485

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 3, 2044

Interest

Rate Type	Adjustable Rate

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Mar 30, 2021
Property Address	705 E MORGAN ST, SPENCER, IN 47460-1547
Document Number	224224
Map Reference	MB 1 PG 277
Instrument Date	Mar 30, 2021
Instrument	224224
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7244 LOCUST LAKE WEST DR, SPENCER, IN 47460-5511

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	$4,814.00 (+1.56%)	$254,900 (+28.93%) Land $41,900 Building $213,000	$254,900 (+28.93%) Land $41,900 Building $213,000
2024	$4,740.00 (+19.88%)
2023	$3,954.00 (+40.81%)	$197,700 Land $35,100 Building $162,600	$197,700 Land $35,100 Building $162,600
2022	$2,808.00

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.

Nearby Properties on E Morgan St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures