Owen County property record for 970 River Rd, Spencer, IN 47460
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,513 sqft · built 2018 |
| Lot Size | 13.4 acres (587,624 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,466 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Feb 2018 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 60-10-28-104-060.001-027 |
| Primary APN | 60-10-28-104-060.001-027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,513 sqft Living Area |
| 1st Floor Area | 1,513 sqft |
| Basement Area | 1,513 sqft |
| Finished Basement | 1,513 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 587,624 sqft (13.4 acres) |
| Garage Type | Attached |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00003093801 |
|---|---|
| Street Address | 970 RIVER RD |
| City | SPENCER |
| State | IN |
| Zip | 47460-6706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN E 1/2 S28 T10 R3 13.49A TRACT 1 |
| Legal Range | 3 |
| Legal Township | 10 |
| Legal Section | 28 |
| Legal Subdivision | SECOND PRINCIPAL MERIDIAN |
| Legal Tract | 1 |
| Jurisdiction | OWEN IN |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 955900 |
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 | 970 RIVER RD, SPENCER, IN 47460-6706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU |
| Feb 21, 2018 | Intrafamily Transfer, Transfer |
| Feb 21, 2018 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2022 |
| Deed Sale | Mar 14, 2022 |
| Deed Document Number | 2022228518 |
| Prior Transfer Date | Feb 19, 2018 |
| Prior Transfer Doc | 211955 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OWEN IN |
| Property Address | 970 RIVER RD, SPENCER, IN 47460-6706 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 222222 |
|---|---|
| Date | Oct 22, 2020 |
| Instrument | 222222 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Feb 21, 2018 |
| Property Address | 970 RIVER RD, SPENCER, IN 47460-6706 |
| Document Number | 211956 |
| Instrument Date | Feb 19, 2018 |
| Instrument | 211956 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 978 RIVER RD, SPENCER, IN 47460-6706 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OWEN IN |
| Recording Date | Feb 21, 2018 |
| Property Address | 970 RIVER RD, SPENCER, IN 47460-6706 |
| Document Number | 211955 |
| Instrument Date | Feb 19, 2018 |
| Instrument | 211955 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 970 RIVER RD, SPENCER, IN 47460-6706 |
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 | $3,466.00 (-8.5%) Homeowner's exemption | $461,700 (+13.41%) Land $104,000 Building $357,700 | $461,700 (+13.41%) Land $104,000 Building $357,700 |
| 2024 | $3,788.00 (-0.81%) | ||
| 2023 | $3,819.00 (+14.86%) | $407,100 Land $92,500 Building $314,600 | $407,100 Land $92,500 Building $314,600 |
| 2022 | $3,325.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 9, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
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 7 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 |
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