Jo Payne

Jo Payne, age 54, a resident of Portland, passed away on January 17, 2026, at Ball Hospital in Muncie, Indiana.

Jo was born on January 1, 1972, in Oklahoma City, Oklahoma, the daughter of Charles Tow and Helen (Clark) Miller. Jo worked for Greeks Pizza and Ponderosa Steak House in Portland. Jo loved crocheting, reading, and spending time with her family. Jo loved being a mom and grandma, as well as spending time on the lake with her husband, Keith Waters. Jo and Keith have been together for over 30 years.

Survivors include:

Husband: Keith Waters – Portland, Indiana

Father: Charles Tow Sr. – Portland, Indiana

Stepfather: William Miller – Portland, Indiana

5 Daughters: Brittany Turner (husband Jeffrey) – Coweta, Oklahoma

Annalea Payne (husband Scott Wade) – Shelbyville, Indiana

Crystal Waters – Muncie, Indiana

Ashley Chrysler (husband Nick) – West York, Illinois

Shannon Cornell – West Union, Illinois

2 Sons: Mickey Waters – Albany, Indiana

Matthew Waters – Portland, Indiana

2 Brothers: Charles Tow Jr. (wife Rebecca) – Portland, Indiana

Richard Tow (wife Ashley) – Farmland, Indiana

1 Sister: Cindy Clark – Portland, Indiana

Several Grandchildren, Nieces, and Nephews.

Jo was preceded in death by her mother, Helen Miller, and her sister Jill Tow.

Viewing will be held on Saturday, January 24, 2026, from 2 pm to 4 pm at the Williamson-Spencer and Penrod Funeral Home in Portland. Funeral Services will follow at 4 pm at the funeral home.

Memorials may be directed toward Jay Randolph Developmental Services.