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Single Family ResidenceResidential
$85,537$115 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

239 W CLAY ST

SPENCER, IN 47460
2
Beds
1
Baths
745 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3,920 ft²
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$86K
$73K low$98K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$559 (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.$99,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$12,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$87,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$76,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$99,500

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.45
29
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
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.5 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Single Family Residence
CountyOWEN
Lot (acres)The size of the land the home sits on, from county records.0.09
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

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 · 0.9 mi
M
Owen Valley Middle SchoolB-
Middle · Grades 7–8 · 1.0 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

239 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.

  • Worth less than 95% of homes in Spencer 47460
  • Costs less per square foot than 87% of homes in Spencer 47460
  • Smaller than 92% of homes in Spencer 47460
  • Among the smallest lots in Spencer 47460

What homes are worth in Spencer 47460

Each bar is how many homes fall in that price range. The marker is this home.

This home
$65K$577K

This home is worth more than 5% 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.

Estimated value$85,537
CheaperTypical $247,840Pricier

Pricier than 5% of homes nearby

Price per ft²$115
CheaperTypical $165Pricier

Pricier than 13% of homes nearby

Living area745 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 8% of homes nearby

Lot size3,920 ft²
SmallerTypical 2.23 acBigger

Smaller than almost all homes nearby

Year built1977
OlderTypical 1987Newer

Newer than 39% of homes nearby

How 239 W Clay St ranks against every home in each area.
MeasureThis homeSpencer 47460Owen County
Estimated valuepricier than$85,5375% of homes7% of homes
Price per ft²pricier than$11513% of homes18% of homes
Living areabigger than745 ft²8% of homes11% of homes
Lot sizebigger than3,920 ft²almost no homesalmost no homes
Year builtnewer than197739% of homes40% of homes

About 239 W Clay St

How much is 239 W Clay St, Spencer, IN worth?

The TopHap Estimate for 239 W Clay St, Spencer, IN is $85,537 as of Oct 21, 2026. The likely range is $73,361 to $97,713. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 239 W Clay St, Spencer, IN last sell?

239 W Clay St, Spencer, IN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 239 W Clay St, Spencer, IN?

239 W Clay St, Spencer, IN has 2 bedrooms, 1 bathrooms, 745 square feet of living space and a 0.09-acre lot.

When was 239 W Clay St, Spencer, IN built?

239 W Clay St, Spencer, IN was built in 1977, making it 49 years old. The building has 1 story.

What schools serve 239 W Clay St, Spencer, IN?

239 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 239 W Clay St, Spencer, IN compare to other homes in Spencer 47460?

Among the 4,885 homes in Spencer 47460, it is worth more than 5% of them ($85,537 against a typical $247,840), its price per square foot is higher than 13% of them ($115 against a typical $165), it is bigger than 8% of them (745 ft² against a typical 1,440 ft²), its lot is bigger than almost none of them (3,920 ft² against a typical 2.23 ac) and it is newer than 39% of them (1977 against a typical 1987). Measured against all of Owen County, it is worth more than 7% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 239 W Clay St, Spencer, IN?

The 2025 property tax bill for 239 W Clay St, Spencer, IN was $559. The county assessed it at $99,500.

More homes on W Clay St

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