949 Freeman Rd, Spencer, IN 47460 Property Records

Owen County property record for 949 Freeman Rd, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,319 sqft · built 1950
Lot Size	1.62 acres (70,567 sqft)
Owner	2 Individual Names on Record
Last Sale	$308,560 (Jun 2023)
Tax Bill	$2,310 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-28-300-270.000-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-28-300-270.000-027`
Alternative APN	`00001029459`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,319 sqft Living Area
1st Floor Area	2,319 sqft
Basement Area	972 sqft
Unfinished Basement	972 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1990
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	70,567 sqft (1.62 acres)
Garage Type	Mixed
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001029459
Street Address	949 FREEMAN RD
City	SPENCER
State	IN
Zip	47460-7424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW S28 T10 R3 1A
Legal Range	3
Legal Township	10
Legal Section	28
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1004
Census Tract	955900

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	2 Individual Names on Record
Mailing Address	949 FREEMAN RD, SPENCER, IN 47460-7424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 4, 2018	Deed of Trust, Mortgage · Line of Credit BAXTER CU
Aug 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL BANK FSB
Jun 5, 2023	Warranty Deed, Transfer · Conventional Mortgage WOLFE FINANCIAL INC
Mar 27, 2019	Warranty Deed, Transfer · Conventional Mortgage INDIANA UNIVERSITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2023 · Amount on Record
Deed Sale	Jun 5, 2023 · Amount on Record
Prior Sale	Mar 27, 2019 · Amount on Record
Deed Document Number	2023233199
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	949 FREEMAN RD, SPENCER, IN 47460-7424
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	949 FREEMAN RD, SPENCER, IN 47460-7424

Mortgage

Document Number	0000241934
Date	Nov 17, 2025
Instrument	241934

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6.99%
Index	SOFR Average 30-Day
Margin	3
Max Rate	9.99%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	949 FREEMAN RD, SPENCER, IN 47460-7424
Transaction Type	Mortgage
Record Updated	Jul 28, 2023
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000214249
Date	Oct 4, 2018
Instrument	214249

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Oct 31, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	949 FREEMAN RD, SPENCER, IN 47460-7424
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000213650
Date	Aug 1, 2018
Instrument	213650

Lender

Name	MUTUAL BANK FSB
Type	Bank
Address	MUNCIE, IN 47305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Jun 5, 2023
Property Address	949 FREEMAN RD, SPENCER, IN 47460-7424
Document Number	0000233199
Instrument Date	Jun 2, 2023
Instrument	233199
Transaction Type	Transfer
Record Updated	Jul 28, 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	949 FREEMAN RD, SPENCER, IN 47460-7424

Mortgage

Document Number	0000233200
Date	Jun 5, 2023
Instrument	233200

Lender

Name	WOLFE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Mar 27, 2019
Property Address	949 FREEMAN RD, SPENCER, IN 47460-7424
Document Number	0000215759
Instrument Date	Mar 25, 2019
Instrument	215759
Transaction Type	Transfer
Record Updated	Jul 28, 2023

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	949 FREEMAN RD, SPENCER, IN 47460-7424

Mortgage

Document Number	0000215760
Date	Mar 27, 2019
Instrument	215760

Lender

Name	INDIANA UNIVERSITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2039

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	$2,310.00 (+7.89%) Homeowner's exemption	$341,000 (+32.38%) Land $35,600 Building $305,400	$341,000 (+32.38%) Land $35,600 Building $305,400
2024	$2,141.00 (+5.31%)
2023	$2,033.00 (-0.54%)	$257,600 (+11.52%) Land $31,200 Building $226,400	$257,600 (+11.52%) Land $31,200 Building $226,400
2022	$2,044.00	$231,000 Land $31,200 Building $199,800	$231,000 Land $31,200 Building $199,800

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 Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2008 · rainfall accumulation

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 13 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Freeman Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures