Owen County property record for 770 E Morgan St, Spencer, IN 47460
| Property Type | Commercial Office |
|---|---|
| Details | 1,400 sqft · built 2000 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Company Name on Record |
| Last Sale | $170,000 (Aug 2016) |
| Tax Bill | $3,932 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Aug 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-10-21-300-400.113-028 |
| Primary APN | 60-10-21-300-400.113-028 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 8 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,400 sqft Total Area |
| 1st Floor Area | 1,400 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2001 |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 158 ft deep x 80 ft wide |
| Total Buildings | 2 Buildings |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | 00001034862 |
|---|---|
| Street Address | 770 E MORGAN ST |
| City | SPENCER |
| State | IN |
| Zip | 47460-1548 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Legal Description | MAYFAIR LOT 29 **INSURANCE PROFESSIONALS OF SPENCER INC** |
| Legal Subdivision | MAYFAIR ADD |
| Legal Lot Number | 29 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 955800 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 770 E MORGAN ST, SPENCER, IN 47460-1548 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Aug 29, 2022 | Deed of Trust, Mortgage · Line of Credit THE PEOPLES STATE BANK |
| Aug 29, 2022 | Deed of Trust, Mortgage · Commercial Mortgage THE PEOPLES STATE BANK |
| Mar 13, 2020 | Deed of Trust, Mortgage · Commercial Mortgage OUR COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 4, 2016 · Amount on Record |
| Deed Sale | Aug 4, 2016 · Amount on Record |
| Deed Document Number | 20166870290 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 770 E MORGAN ST, SPENCER, IN 47460-1548 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000230494 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 230494 |
| Name | THE PEOPLES STATE BANK |
|---|---|
| Type | Bank |
| Address | ELLETTSVILLE, IN 47429 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Aug 24, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 770 E MORGAN ST, SPENCER, IN 47460-1548 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000230493 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 230493 |
| Name | THE PEOPLES STATE BANK |
|---|---|
| Type | Bank |
| Address | ELLETTSVILLE, IN 47429 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 24, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 770 E MORGAN ST, SPENCER, IN 47460-1548 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2020 |
| Name | Verified Name |
|---|
| Document Number | 219727 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 219727 |
| Name | OUR COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IN 47460 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Owen County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Washington Township |
| Municipality | Spencer Town |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,932.00 (+5.39%) | $195,700 (+18.53%) Land $43,600 Building $152,100 | $195,700 (+18.53%) Land $43,600 Building $152,100 |
| 2024 | $3,731.00 (-3.44%) | ||
| 2023 | $3,864.00 (-15.69%) | $165,100 Land $41,000 Building $124,100 | $165,100 Land $41,000 Building $124,100 |
| 2022 | $4,583.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
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