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Miscellaneous (Residential)Residential
Last sold for $20,000 on Mar 3, 2023

132 W CLAY ST

SPENCER, IN 47460
0
Baths
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1939
Year BuiltThe year the home was originally built, according to county records.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$20,000 · Mar 3, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$741 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$37,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$22,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$15,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$13,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$37,800

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.52
60
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
74
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
94
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
19
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.74 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Miscellaneous (Residential)
CountyOWEN
Lot (acres)The size of the land the home sits on, from county records.0.20
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Spencer Elementary SchoolC-
Elementary · Grades PK–6 · 0.6 mi
H
Owen Valley Community High School
High · Grades 9–12 · 1.0 mi
M
Owen Valley Middle SchoolB-
Middle · Grades 7–8 · 1.1 mi

District: Spencer-Owen Community Schools

Neighborhood · ZIP 47460These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.119
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.119
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.69

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.11,799
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.79 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,094
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$76,779
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

132 W Clay St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Has a smaller lot than 89% of homes in Owen County
  • Older than 90% of homes in Spencer 47460

How it measures up in Spencer 47460

The dot is this home. The mark in the middle is the typical home in Spencer 47460.

Lot size0.2 ac
SmallerTypical 2.23 acBigger

Bigger than 12% of homes nearby

Year built1939
OlderTypical 1987Newer

Newer than 10% of homes nearby

How 132 W Clay St ranks against every home in each area.
MeasureThis homeSpencer 47460Owen County
Lot sizebigger than0.2 ac12% of homes11% of homes
Year builtnewer than193910% of homes11% of homes

About 132 W Clay St

When did 132 W Clay St, Spencer, IN last sell?

132 W Clay St, Spencer, IN last sold on Mar 3, 2023 for $20,000, according to the county's recorded deed.

When was 132 W Clay St, Spencer, IN built?

132 W Clay St, Spencer, IN was built in 1939, making it 87 years old.

What schools serve 132 W Clay St, Spencer, IN?

132 W Clay St, Spencer, IN is assigned to Spencer Elementary School (elementary), rated C-; Owen Valley Community High School (high); Owen Valley Middle School (middle), rated B-. All sit in Spencer-Owen Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 132 W Clay St, Spencer, IN compare to other homes in Spencer 47460?

Among the 4,885 homes in Spencer 47460, its lot is bigger than 12% of them (0.2 ac against a typical 2.23 ac) and it is newer than 10% of them (1939 against a typical 1987). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 132 W Clay St, Spencer, IN?

The 2025 property tax bill for 132 W Clay St, Spencer, IN was $741. The county assessed it at $37,800.

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