89 E Tanner Ave, Spencer, IN 47460 Property Records

Owen County property record for 89 E Tanner Ave, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,100 sqft · built 1935
Lot Size	0.193 acres (8,407 sqft)
Owner	Individual Name on Record
Last Sale	$118,500 (Apr 2023)
Tax Bill	$2,423 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2018 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-20-100-400.008-028`

Property Details

APN / Parcel Number

Primary APN	`60-10-20-100-400.008-028`
Alternative APN	`00001035263`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
1st Floor Area	1,100 sqft
Basement Area	150 sqft
Unfinished Basement	150 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1980
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	8,407 sqft (0.193 acres)
Lot Dimensions	140 ft deep x 60 ft wide
Terrain	High
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	190 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001035263
Street Address	89 E TANNER AVE
City	SPENCER
State	IN
Zip	47460
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPENCER HEIGHTS PT LOT 45
Legal Subdivision	SPENCER HEIGHTS
Legal Lot Number	45
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2004
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	89 E TANNER AVE, SPENCER, IN 47460
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage JACKSON COUNTY BANK
Apr 25, 2023	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Mar 1, 2018	Special Warranty Deed, Transfer OS NATIONAL LLC
Jun 7, 2017	Special Warranty Deed, Transfer
Jan 13, 2017	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2023 · Amount on Record
Deed Sale	Apr 25, 2023 · Amount on Record
Prior Sale	Mar 1, 2018
Deed Document Number	2023232783
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Recording Date	Jul 14, 2026
Property Address	89 E TANNER AVE, SPENCER, IN 47460
Document Number	0000244273
Instrument Date	Jul 8, 2026
Instrument	2026244273
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 W TANNER AVE, SPENCER, IN 47460-1038

Mortgage

Document Number	0000244273,
Date	Jul 14, 2026
Instrument	2026244273

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.52%
Max Rate	-1%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	89 E TANNER AVE, SPENCER, IN 47460
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000214227
Date	Oct 2, 2018
Instrument	214227

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2033

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	89 E TANNER AVE, SPENCER, IN 47460
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000227070
Date	Nov 3, 2021
Instrument	227070

Lender

Name	JACKSON COUNTY BANK
Type	Bank
Address	SEYMOUR, IN 47274

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Apr 25, 2023
Property Address	89 E TANNER AVE, SPENCER, IN 47460
Document Number	0000232783
Instrument Date	Mar 27, 2023
Instrument	232783
Transaction Type	Transfer
Record Updated	Jun 12, 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	4219 S DUNLAP RD, BLOOMINGTON, IN 47403-9315

Mortgage

Document Number	0000232784
Date	Apr 25, 2023
Instrument	232784

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

March 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Mar 1, 2018
Property Address	89 E TANNER AVE, SPENCER, IN 47460
Document Number	0000212060
Instrument Date	Feb 7, 2018
Instrument	212060
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	OS NATIONAL LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2727 TIMBER LN, TUNNELTON, IN 47467
Investor	Possibly a Property Investor

June 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jun 7, 2017
Property Address	89 E TANNER AVE, SPENCER, IN 47460
Document Number	0000209120
Instrument Date	May 22, 2017
Instrument	209120
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 S 6TH ST # ST2100, ST2100, MINNEAPOLIS, MN 55402-1803

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2727 TIMBER LN, SPENCER, IN 47460-6047

January 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	OWEN IN
Recording Date	Jan 13, 2017
Property Address	89 E TANNER AVE, SPENCER, IN 47460
Document Number	0000207647
Instrument Date	Jan 10, 2017
Instrument	207647
Transaction Type	Foreclosure
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15480 LAGUNA CANYON RD, IRVINE, CA 92618-2132

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	$2,423.00 (+0.96%)	$128,300 (+17.81%) Land $19,100 Building $109,200	$128,300 (+17.81%) Land $19,100 Building $109,200
2024	$2,400.00 (+9.99%)
2023	$2,182.00 (+36.38%)	$108,900 Land $20,000 Building $88,900	$108,900 Land $20,000 Building $88,900
2022	$1,600.00

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	32 (1991–2026)
Claims Outside the SFHA	1 of 32
Most Recent Claim	Aug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 6 claims Severe Winter Storms And Flooding, Jan 2005 · 7 claims Severe Storms And Tornadoes, And Flooding, Jun 1998 · 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	Direct burnable vegetation

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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