960 Hyden Rd, Spencer, IN 47460 Property Records

Owen County property record for 960 Hyden Rd, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,324 sqft · built 2007
Lot Size	9.64 acres (419,918 sqft)
Owner	2 Individual Names on Record
Last Sale	$356,300 (Dec 2020)
Tax Bill	$2,482 (2025)
Deeds & Mortgages	Apr 2021 Second Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-30-100-080.000-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-30-100-080.000-027`
Alternative APN	`00001030567`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,324 sqft Living Area
1st Floor Area	3,324 sqft
Attic	Attic
Attic Area	672 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	419,918 sqft (9.64 acres)
Terrain	Low
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001030567
Street Address	960 HYDEN RD
City	SPENCER
State	IN
Zip	47460-6201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW NE S30 T10 R3 9.64A
Legal Range	3
Legal Township	10
Legal Section	30
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2033
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	2 Individual Names on Record
Mailing Address	960 HYDEN RD, SPENCER, IN 47460-6201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage INDIANA UNIVERSITY CU
Dec 22, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Mar 20, 2020	Warranty Deed, Transfer · Conventional Mortgage INDIANA UNIVERSITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	Mar 20, 2020 · Amount on Record
Deed Document Number	2020222987
Prior Transfer Date	Dec 15, 2020
Prior Transfer Doc	0000222987
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	960 HYDEN RD, SPENCER, IN 47460-6201
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000224441
Date	Apr 15, 2021
Instrument	224441

Lender

Name	INDIANA UNIVERSITY CU
Type	Credit Union
Address	BLOOMINGTON, IN 47402

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OWEN IN
Recording Date	Dec 22, 2020
Property Address	960 HYDEN RD, SPENCER, IN 47460-6201
Document Number	0000222987
Instrument Date	Dec 15, 2020
Instrument	222987
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 HYDEN RD, SPENCER, IN 47460-6201

Mortgage

Document Number	0000222988
Date	Dec 22, 2020
Instrument	222988

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN IN
Recording Date	Mar 20, 2020
Property Address	960 HYDEN RD, SPENCER, IN 47460-6201
Document Number	0000219822
Instrument Date	Mar 17, 2020
Instrument	219822
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
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 HYDEN RD, SPENCER, IN 47460-6201

Mortgage

Document Number	0000219823
Date	Mar 20, 2020
Instrument	219823

Lender

Name	INDIANA UNIVERSITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	8%

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	$2,482.00 (-16.06%) Homeowner's exemption	$382,100 (+8.03%) Land $31,900 Building $350,200	$382,100 (+8.03%) Land $31,900 Building $350,200
2024	$2,957.00 (+1.02%)
2023	$2,927.00 (-1.88%)	$353,700 Land $26,700 Building $327,000	$353,700 Land $26,700 Building $327,000
2022	$2,983.00

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Endeavor Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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