93 Michael St, Spencer, IN 47460 Property Records

Owen County property record for 93 Michael St, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,473 sqft · built 1986
Lot Size	1.54 acres (67,082 sqft)
Owner	Individual Name on Record
Last Sale	$167,100 (Sep 2015)
Tax Bill	$1,423 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`60-10-24-400-520.060-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-24-400-520.060-027`
Alternative APN	`00001028843`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,473 sqft Living Area
1st Floor Area	1,473 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	67,082 sqft (1.54 acres)
Lot Dimensions	164 ft deep x 409 ft wide
Garage Type	Mixed
Garage Area	1,126 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001028843
Street Address	93 MICHAEL ST
City	SPENCER
State	IN
Zip	47460-7456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERITAGE HILLS SUB S24 T10 R3 LOT 6
Legal Range	3
Legal Township	10
Legal Section	24
Legal Subdivision	HERITAGE HILLS SUBDIVISION
Legal Lot Number	6
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1014
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	93 MICHAEL ST, SPENCER, IN 47460-7456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2015 · Amount on Record
Deed Sale	Sep 28, 2015 · Amount on Record
Prior Sale	Mar 14, 2011 · Amount on Record
Deed Document Number	2015202890
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	93 MICHAEL ST, SPENCER, IN 47460-7456
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000207702
Date	Jan 20, 2017
Instrument	207702

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Dec 1, 2045

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	93 MICHAEL ST, SPENCER, IN 47460-7456
Transaction Type	Mortgage
Record Updated	Jun 12, 2023
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220533
Date	Jun 4, 2020
Instrument	220533

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

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
Unified School District	Spencer-Owen Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,423.00 (-6.44%) Homeowner's exemption	$239,500 (+18.56%) Land $32,100 Building $207,400	$239,500 (+18.56%) Land $32,100 Building $207,400
2024	$1,521.00 (+1.81%)
2023	$1,494.00 (-6.74%)	$202,000 Land $32,100 Building $169,900	$202,000 Land $32,100 Building $169,900
2022	$1,602.00

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	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

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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