978 River Rd, Spencer, IN 47460 Property Records

Owen County property record for 978 River Rd, Spencer, IN 47460

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,276 sqft · built 1981
Lot Size	15.4 acres (671,260 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Nov 2017)
Tax Bill	$2,092 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`60-10-28-104-060.000-027`

Property Details

APN / Parcel Number

Primary APN	`60-10-28-104-060.000-027`
Alternative APN	`00001026714`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
1st Floor Area	1,276 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Metal
Lot Area	671,260 sqft (15.4 acres)
Terrain	High
Garage Type	Mixed
Garage Area	1,944 sqft
Parking Spaces	7 Parking Spaces
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	00001026714
Street Address	978 RIVER RD
City	SPENCER
State	IN
Zip	47460-6706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN SENE S28 T10 R3 15.41A AKA TRACT 2
Legal Range	3
Legal Township	10
Legal Section	28
Legal Tract	2
Jurisdiction	OWEN IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1003
Census Tract	955900

Owner

978 River Rd is owned and occupied by an individual who bought it in November 2017.

Source: Owen County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	978 RIVER RD, SPENCER, IN 47460-6706
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2018	Deed of Trust, Mortgage · Line of Credit BAXTER CU
Oct 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU
Nov 22, 2017	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2017 · Amount on File
Deed Sale	Nov 22, 2017 · Amount on File
Deed Document Number	2017211120
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	978 RIVER RD, SPENCER, IN 47460-6706
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212311
Date	Mar 23, 2018
Instrument	212311

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	26 Months
Due	Apr 30, 2020

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN IN
Property Address	978 RIVER RD, SPENCER, IN 47460-6706
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000214278
Date	Oct 9, 2018
Instrument	214278

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

November 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	OWEN IN
Recording Date	Nov 22, 2017
Property Address	978 RIVER RD, SPENCER, IN 47460-6706
Document Number	0000211120
Instrument Date	Nov 20, 2017
Instrument	211120
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount 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	5707 FLOWING WELL RD, POLAND, IN 47868-7175

Tax Assessment & Valuation

The 2025 property tax bill for 978 River Rd was $2,092 with a homeowner's exemption, down 1% from the year before.

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	$2,092.00 (-0.99%) Homeowner's exemption	$340,400 Land $111,700 Building $228,700	$340,400 Land $111,700 Building $228,700
2024	$2,113.00 (-5.03%)
2023	$2,225.00 (+32.2%)	$285,300 (+25.41%) Land $102,100 Building $183,200	$285,300 (+25.41%) Land $102,100 Building $183,200
2022	$1,683.00	$227,500 Land $56,400 Building $171,100	$227,500 Land $56,400 Building $171,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 978 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 978 River Rd 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

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