706 E North St, Spencer, IN 47460 Property Records

Owen County property record for 706 E North St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 918 sqft · built 1960
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$74,500 (Apr 2014)
Tax Bill	$959 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`60-10-21-300-400.107-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-300-400.107-028`
Alternative APN	`00001037482`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	918 sqft Living Area
1st Floor Area	918 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1974
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	137 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	351 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001037482
Street Address	706 E NORTH ST
City	SPENCER
State	IN
Zip	47460-1556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAYFAIR LOT 22.
Legal Subdivision	MAYFAIR ADDITION
Legal Lot Number	22
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1039
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	706 E NORTH ST, SPENCER, IN 47460-1556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 21, 2020	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2014 · Amount on Record
Deed Sale	Apr 4, 2014 · Amount on Record
Prior Sale	Oct 24, 2013 · Amount on Record
Deed Document Number	2014197669
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	706 E NORTH ST, SPENCER, IN 47460-1556
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000230862
Date	Sep 30, 2022
Instrument	230862

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	48296

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	706 E NORTH ST, SPENCER, IN 47460-1556
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	222207
Date	Oct 21, 2020
Instrument	222207

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 8, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$959.00 (-17.33%) Homeowner's exemption	$136,400 (+23.33%) Land $23,900 Building $112,500	$136,400 (+23.33%) Land $23,900 Building $112,500
2024	$1,160.00 (+31.22%)
2023	$884.00 (+84.55%)	$110,600 Land $20,100 Building $90,500	$110,600 Land $20,100 Building $90,500
2022	$479.00

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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