715 E North St, Spencer, IN 47460 Property Records

Owen County property record for 715 E North St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 873 sqft · built 1960
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$167,300 (Nov 2019)
Tax Bill	$835 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`60-10-21-300-400.099-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-21-300-400.099-028`
Alternative APN	`00001036165`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	873 sqft Living Area
1st Floor Area	873 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	115 ft deep x 73 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001036165
Street Address	715 E NORTH ST
City	SPENCER
State	IN
Zip	47460-1555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAYFAIR LOT 13
Legal Subdivision	MAYFAIR ADDITION
Legal Lot Number	13
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1040
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	715 E NORTH ST, SPENCER, IN 47460-1555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2019	Warranty Deed, Transfer · Conventional Mortgage BAXTER CU
Aug 11, 2017	Deed of Trust, Mortgage · Line of Credit THE PEOPLES STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2019 · Amount on Record
Deed Sale	Nov 20, 2019 · Amount on Record
Deed Document Number	2019218533
Record Updated	Sep 20, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Nov 20, 2019
Property Address	715 E NORTH ST, SPENCER, IN 47460-1555
Document Number	218533
Map Reference	MB 1 PG 277
Instrument Date	Nov 18, 2019
Instrument	218533
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 E NORTH ST, SPENCER, IN 47460-1555

Mortgage

Document Number	218534
Date	Nov 20, 2019
Instrument	218534

Lender

Name	BAXTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2029
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	8.75%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	715 E NORTH ST, SPENCER, IN 47460-1555
Transaction Type	Mortgage
Record Updated	Aug 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 209922
Date	Aug 11, 2017
Instrument	209922

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 5, 2027

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	$835.00 (-3.91%) Homeowner's exemption	$125,000 (+20.19%) Land $21,300 Building $103,700	$125,000 (+20.19%) Land $21,300 Building $103,700
2024	$869.00 (+10.56%)
2023	$786.00 (+41.37%)	$104,000 Land $19,600 Building $84,400	$104,000 Land $19,600 Building $84,400
2022	$556.00

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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