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Single Family ResidenceResidential
$183,735$132 / 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 98How 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

406 S MAIN ST

SPENCER, IN 47460
4
Beds
2
Baths
1,388 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$184K
$180K low$187K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,114 (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.$192,300 (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.$170,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$147,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$192,300

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
62
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
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.107 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.Single Family Residence
CountyOWEN
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1965
Lot (acres)The size of the land the home sits on, from county records.0.20
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.Raised (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system 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 · 1.1 mi
M
Owen Valley Middle SchoolB-
Middle · Grades 7–8 · 1.2 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

406 S Main 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 74% of homes in Spencer 47460
  • Costs less per square foot than 76% of homes in Spencer 47460
  • Has a smaller lot than 89% of homes in Owen County
  • Older than 91% of homes 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 26% 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$183,735
CheaperTypical $247,840Pricier

Pricier than 26% of homes nearby

Price per ft²$132
CheaperTypical $165Pricier

Pricier than 24% of homes nearby

Living area1,388 ft²
SmallerTypical 1,440 ft²Bigger

Bigger than 47% of homes nearby

Lot size0.2 ac
SmallerTypical 2.23 acBigger

Bigger than 12% of homes nearby

Year built1930
OlderTypical 1987Newer

Newer than 9% of homes nearby

How 406 S Main St ranks against every home in each area.
MeasureThis homeSpencer 47460Owen County
Estimated valuepricier than$183,73526% of homes33% of homes
Price per ft²pricier than$13224% of homes29% of homes
Living areabigger than1,388 ft²47% of homes51% of homes
Lot sizebigger than0.2 ac12% of homes11% of homes
Year builtnewer than19309% of homes10% of homes

About 406 S Main St

How much is 406 S Main St, Spencer, IN worth?

The TopHap Estimate for 406 S Main St, Spencer, IN is $183,735 as of Oct 21, 2026. The likely range is $180,299 to $187,171. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 406 S Main St, Spencer, IN last sell?

406 S Main St, Spencer, IN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 406 S Main St, Spencer, IN?

406 S Main St, Spencer, IN has 4 bedrooms, 2 bathrooms, 1,388 square feet of living space and a 0.20-acre lot.

When was 406 S Main St, Spencer, IN built?

406 S Main St, Spencer, IN was built in 1930, making it 96 years old. The building has 1 story.

What schools serve 406 S Main St, Spencer, IN?

406 S Main 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 406 S Main St, Spencer, IN compare to other homes in Spencer 47460?

Among the 4,885 homes in Spencer 47460, it is worth more than 26% of them ($183,735 against a typical $247,840), its price per square foot is higher than 24% of them ($132 against a typical $165), it is bigger than 47% of them (1,388 ft² against a typical 1,440 ft²), its lot is bigger than 12% of them (0.2 ac against a typical 2.23 ac) and it is newer than 9% of them (1930 against a typical 1987). Measured against all of Owen County, it is worth more than 33% 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 406 S Main St, Spencer, IN?

The 2025 property tax bill for 406 S Main St, Spencer, IN was $1,114. The county assessed it at $192,300.

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