809 Splinter Ridge Rd, Spencer, IN 47460 Property Records

Owen County property record for 809 Splinter Ridge Rd, Spencer, IN 47460

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 880 sqft · built 1991
Lot Size	0.71 acres (30,928 sqft)
Owner	Individual Name on Record
Last Sale	$99,600 (Jan 2023)
Tax Bill	$170 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-11-29-100-190.000-022`

Property Details

APN / Parcel Number

Primary APN	`60-11-29-100-190.000-022`
Alternative APN	`00001008542`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	880 sqft Living Area
1st Floor Area	880 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Mobile Home
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	30,928 sqft (0.71 acres)
Garage Type	Mixed
Garage Area	912 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	00001008542
Street Address	809 SPLINTER RIDGE RD
City	SPENCER
State	IN
Zip	47460-6397
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	IN SW NE S29 T10 R4 .71A RETIRED TITLE
Legal Range	4
Legal Township	10
Legal Section	29
Jurisdiction	OWEN IN
Township / Civil Division	LAFAYETTE
Census Block Group	2
Census Block	2048
Census Tract	955701

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	809 SPLINTER RIDGE RD, SPENCER, IN 47460-6397
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · VA Mortgage RUOFF MORTGAGE COMPANY INC
Jan 18, 2023	Warranty Deed, Transfer · VA Mortgage RUOFF MORTGAGE COMPANY INC
Nov 13, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2023 · Amount on Record
Deed Sale	Jan 18, 2023 · Amount on Record
Prior Sale	Nov 13, 2019
Deed Document Number	2023231905
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	809 SPLINTER RIDGE RD, SPENCER, IN 47460-6397
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 SPLINTER RIDGE RD, SPENCER, IN 47460-6397

Mortgage

Document Number	0000241213
Date	Sep 10, 2025
Instrument	241213

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	VA Mortgage
Amount	Amount Recorded

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jan 18, 2023
Property Address	809 SPLINTER RIDGE RD, SPENCER, IN 47460-6397
Document Number	0000231905
Instrument Date	Jan 13, 2023
Instrument	231905
Transaction Type	Transfer
Record Updated	Apr 21, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 SPLINTER RIDGE RD, SPENCER, IN 47460-6397

Mortgage

Document Number	0000231906
Date	Jan 18, 2023
Instrument	231906

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Nov 13, 2019
Property Address	809 SPLINTER RIDGE RD, SPENCER, IN 47460-6397
Document Number	218432
Instrument Date	Nov 12, 2019
Instrument	218432
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	809 SPLINTER RIDGE RD, SPENCER, IN 47460-6397

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$170.00 (+75.26%) Homeowner's exemption	$138,200 (+14.03%) Land $23,100 Building $115,100	$138,200 (+14.03%) Land $23,100 Building $115,100
2024	$97.00 (-78.77%)
2023		$121,200 Land $18,500 Building $102,700	$121,200 Land $18,500 Building $102,700
2022	$457.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Endeavor Communications Fiber	1,000 / 1,000
South Central Indiana REMC Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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