Owen County property record for 95 Ginger St, Spencer, IN 47460
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 968 sqft · built 1978 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,282 (2025) |
| Deeds & Mortgages | Jan 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 60-10-24-400-530.030-027 |
| Primary APN | 60-10-24-400-530.030-027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 968 sqft Living Area |
| 1st Floor Area | 968 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 180 ft deep x 120 ft wide |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00001028479 |
|---|---|
| Street Address | 95 GINGER ST |
| City | SPENCER |
| State | IN |
| Zip | 47460-7437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEWPORT MANOR LOT C |
| Legal Subdivision | NEWPORT MANOR |
| Legal Lot Number | C |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 955800 |
95 Ginger St is owned and occupied by an individual.
Source: Owen County records, as of June 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 95 GINGER ST, SPENCER, IN 47460-7437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 95 GINGER ST, SPENCER, IN 47460-7437 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 219098 |
|---|---|
| Date | Jan 10, 2020 |
| Instrument | 219098 |
| Name | OWEN COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IN 47460 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 7, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 95 Ginger St was $1,282 with a homeowner's exemption, up 1.7% from the year before.
Source: Owen County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Owen County |
| County Subdivision | Washington Township |
| Unified School District | Spencer-Owen Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,282.00 (+1.67%) Homeowner's exemption | $221,300 Land $22,500 Building $198,800 | $221,300 Land $22,500 Building $198,800 |
| 2024 | $1,261.00 (-1.94%) | ||
| 2023 | $1,286.00 (+3.54%) | $187,000 Land $18,800 Building $168,200 | $187,000 Land $18,800 Building $168,200 |
| 2022 | $1,242.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 95 Ginger St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 2003.
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 |
|
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 risk around 95 Ginger St is low, with a 0.01% annual chance of 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.
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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