75 W Wayne St, Spencer, IN 47460 Property Records

Owen County property record for 75 W Wayne St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,927 sqft · built 2019
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,300 (Nov 2019)
Tax Bill	$2,431 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-400-400.787-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.787-028`
Alternative APN	`00004058722`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,927 sqft Living Area
1st Floor Area	1,927 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	68 ft deep x 42 ft wide
Terrain	High
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00004058722
Street Address	75 W WAYNE ST
City	SPENCER
State	IN
Zip	47460-1753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER LOT 208B
Legal Lot Number	208B
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3043
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	75 W WAYNE ST, SPENCER, IN 47460-1753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage HALLMARK HOME MORTGAGE LLC
Nov 18, 2019	Warranty Deed, Transfer · Conventional Mortgage HALLMARK HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2019 · Amount on Record
Deed Sale	Nov 18, 2019 · Amount on Record
Deed Document Number	2019218488
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	75 W WAYNE ST, SPENCER, IN 47460-1753
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	220720
Date	Jun 19, 2020
Instrument	220720

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company
Address	FORT WAYNE, IN 46825

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Nov 18, 2019
Property Address	75 W WAYNE ST, SPENCER, IN 47460-1753
Document Number	218488
Map Reference	DOC 201120
Instrument Date	Nov 15, 2019
Instrument	218488
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	75 W WAYNE ST, SPENCER, IN 47460-1753

Mortgage

Document Number	218489
Date	Nov 18, 2019
Instrument	218489

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

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

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	$2,431.00 (-11.79%) Homeowner's exemption	$272,100 (+7.72%) Land $8,100 Building $264,000	$272,100 (+7.72%) Land $8,100 Building $264,000
2024	$2,756.00 (+9.11%)
2023	$2,526.00 (+21.73%)	$252,600 Land $4,800 Building $247,800	$252,600 Land $4,800 Building $247,800
2022	$2,075.00

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	3 in force
Nearby Flood Claims	16 (1993–2025)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 9 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
Adjoins Burnable Land	Yes

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 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: South Central Indiana REMC, T-Mobile.

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