85 E Morgan St, Spencer, IN 47460 Property Records

Owen County property record for 85 E Morgan St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,173 sqft · built 1932
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$227,430 (Dec 2025)
Tax Bill	$1,579 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-400-400.419-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-400-400.419-028`
Alternative APN	`00001036190`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,173 sqft Living Area
1st Floor Area	1,173 sqft
Basement Area	1,173 sqft
Finished Basement	1,172 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Material	Metal
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	76 ft deep x 63 ft wide
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001036190
Street Address	85 E MORGAN ST
City	SPENCER
State	IN
Zip	47460-1444
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER E 1/2 LOT 133
Legal Subdivision	TOWN OF SPENCER
Legal Lot Number	133
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4028
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	85 E MORGAN ST, SPENCER, IN 47460-1444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage FARMERS AND MECHANICS FSB
Dec 29, 2025	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Oct 31, 2019	Intrafamily Transfer, Transfer
Mar 2, 2017	Warranty Deed, Transfer · Conventional Mortgage GVC MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2025 · Amount on Record
Deed Sale	Dec 29, 2025 · Amount on Record
Prior Sale	Mar 2, 2017 · Amount on Record
Deed Document Number	2025242303
Prior Transfer Date	Oct 31, 2019
Prior Transfer Doc	0000218235
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	85 E MORGAN ST, SPENCER, IN 47460-1444
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 E MORGAN ST, SPENCER, IN 47460-1444

Mortgage

Document Number	0000241389
Date	Sep 24, 2025
Instrument	241389

Lender

Name	FARMERS AND MECHANICS FSB
Type	Bank
Address	BLOOMFIELD, IN 47424

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Dec 29, 2025
Property Address	85 E MORGAN ST, SPENCER, IN 47460-1444
Document Number	0000242303
Map Reference	MB 1 PG 1
Instrument Date	Dec 18, 2025
Instrument	242303
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	SECURITY TITLE SERVICES

Transaction

Amount	Amount Recorded
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	85 E MORGAN ST, SPENCER, IN 47460-1444

Mortgage

Document Number	0000242304
Date	Dec 29, 2025
Instrument	242304

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OWEN IN
Recording Date	Oct 31, 2019
Property Address	85 E MORGAN ST, SPENCER, IN 47460-1444
Document Number	0000218235
Instrument Date	Oct 31, 2019
Instrument	218235
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 E MORGAN ST, SPENCER, IN 47460-1444

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Mar 2, 2017
Property Address	85 E MORGAN ST, SPENCER, IN 47460-1444
Document Number	0000208084
Instrument Date	Feb 24, 2017
Instrument	208084
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Amount	Amount Recorded
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	85 E MORGAN ST, SPENCER, IN 47460-1444

Mortgage

Document Number	0000208085
Date	Mar 2, 2017
Instrument	208085

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

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	$1,579.00 (+45.4%) Homeowner's exemption	$193,600 (+52.68%) Land $13,800 Building $179,800	$193,600 (+52.68%) Land $13,800 Building $179,800
2024	$1,086.00 (+8.6%) Homeowner's exemption	$126,800 (+6.73%) Land $6,900 Building $119,900	$126,800 (+6.73%) Land $6,900 Building $119,900
2023	$1,000.00 (+12.49%)	$118,800 Land $11,400 Building $107,400	$118,800 Land $11,400 Building $107,400
2022	$889.00

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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	49 (1993–2025)
Claims Outside the SFHA	3 of 49
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 24 claims Severe Winter Storms And Flooding, Jan 2005 · 16 claims Severe Storms, Tornadoes, And Flooding, Sep 2003 · 2 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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