78 Michael St, Spencer, IN 47460 Property Records

Owen County property record for 78 Michael St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,500 sqft · built 1972
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$173,600 (Dec 2020)
Tax Bill	$1,118 (2025)
Deeds & Mortgages	Jun 2023 Transfer Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-24-400-530.080-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-24-400-530.080-027`
Alternative APN	`00001028807`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft
Family Room	Family Room

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1990
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	180 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001028807
Street Address	78 MICHAEL ST
City	SPENCER
State	IN
Zip	47460-7456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT E 1/2 SE S24 T10 R3 .5A AKA NEWPORT MANOR LOT H
Legal Range	3
Legal Township	10
Legal Section	24
Legal Subdivision	NEWPORT MANOR
Legal Lot Number	H
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1016
Census Tract	955800

Owner

78 Michael St is owned and occupied by an individual who acquired it in June 2023.

Source: Owen County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	78 MICHAEL ST, SPENCER, IN 47460-7456
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Intrafamily Transfer, Transfer
Dec 4, 2020	Warranty Deed, Transfer · FHA Mortgage FLANAGAN STATE BANK
Jan 11, 2018	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2020 · Amount on File
Deed Sale	Dec 4, 2020 · Amount on File
Prior Sale	Jan 11, 2018 · Amount on File
Deed Document Number	2020222768
Last Transfer Date	Jun 1, 2023
Transfer Doc	0000233240
Record Updated	Sep 20, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OWEN IN
Recording Date	Jun 7, 2023
Property Address	78 MICHAEL ST, SPENCER, IN 47460-7456
Document Number	0000233240
Map Reference	MB 1 PG 331
Instrument Date	Jun 1, 2023
Instrument	233240
Transaction Type	Transfer
Record Updated	Jun 27, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	78 MICHAEL ST, SPENCER, IN 47460-7456

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Dec 4, 2020
Property Address	78 MICHAEL ST, SPENCER, IN 47460-7456
Document Number	0000222768
Instrument Date	Dec 1, 2020
Instrument	222768
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 MICHAEL ST, SPENCER, IN 47460-7456

Mortgage

Document Number	0000222769
Date	Dec 4, 2020
Instrument	222769

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jan 11, 2018
Property Address	78 MICHAEL ST, SPENCER, IN 47460-7456
Document Number	0000211627
Instrument Date	Jan 5, 2018
Instrument	211627
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 MICHAEL ST, SPENCER, IN 47460-7456

Mortgage

Document Number	0000211628
Date	Jan 11, 2018
Instrument	211628

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 78 Michael St was $1,118 with a homeowner's exemption, up 10.4% from the year before.

Source: Owen County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Owen County
County Subdivision	Washington Township
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,118.00 (+10.37%) Homeowner's exemption	$199,200 Land $22,500 Building $176,700	$199,200 Land $22,500 Building $176,700
2024	$1,013.00 (+7.77%)
2023	$940.00 (-3.39%)	$149,400 (+6.64%) Land $18,800 Building $130,600	$149,400 (+6.64%) Land $18,800 Building $130,600
2022	$973.00	$140,100 Land $18,800 Building $121,300	$140,100 Land $18,800 Building $121,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 78 Michael St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 2003.

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

Wildfire risk around 78 Michael St is low, with a 0.01% annual chance of 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
South Central Indiana REMC Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Smithville Communications.

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