04988 Deep Cut Rd, Spencerville, OH 45887 Property Records

Auglaize County property record for 04988 Deep Cut Rd, Spencerville, OH 45887

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,482 sqft · built 1974
Lot Size	3.06 acres (133,337 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (May 2019)
Tax Bill	$3,273 (2023)
Deeds & Mortgages	Dec 2021 Line of Credit Jan 2019 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`J27-023-010-01`

Property Details

APN / Parcel Number

Primary APN	`J27-023-010-01`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,482 sqft Living Area
1st Floor Area	2,482 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	133,337 sqft (3.06 acres)
Garage Area	687 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	36 sqft
Deck Area	232 sqft
Patio Area	232 sqft
Pole Barn	3,840 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	04988 DEEP CUT RD
City	SPENCERVILLE
State	OH
Zip	45887-9344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT EPT SPT NE
Legal Range	04
Legal Township	04
Legal Section	23
Jurisdiction	AUGLAIZE OH
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2010
Census Tract	40500

Owner

04988 Deep Cut Rd is owned and occupied by an individual who bought it in May 2019.

Source: Auglaize County records, as of February 9, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	04988 DEEP CUT RD, SPENCERVILLE, OH 45887-9344
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
Dec 28, 2021	Deed of Trust, Mortgage · Line of Credit SUPERIOR CU
Jan 22, 2019	Deed of Trust, Mortgage · ARM UNITED SAVINGS BANK
Apr 29, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 17, 2019	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Apr 17, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 17, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2019 · Amount on File
Deed Sale	May 17, 2019 · Amount on File
Prior Sale	Apr 17, 2018
Deed Document Number	359
Deed Book / Page	697 / 4963
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AUGLAIZE OH
Property Address	04988 DEEP CUT RD, SPENCERVILLE, OH 45887-9344
Transaction Type	Mortgage
Record Updated	May 11, 2023
Title Company	SUPERIOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008224
Date	Dec 28, 2021
Book Page	715/4270
Instrument	202100008224

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	204 Months
Due	Dec 17, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AUGLAIZE OH
Property Address	04988 DEEP CUT RD, SPENCERVILLE, OH 45887-9344
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	FIRST OHIO TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000314
Date	Jan 22, 2019
Book Page	696/1875
Instrument	201900000314

Lender

Name	UNITED SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Feb 1, 2020
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	10.5%
Index	1-Year CMT
Max Rate	10.5%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AUGLAIZE OH
Property Address	04988 DEEP CUT RD, SPENCERVILLE, OH 45887-9344
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002145
Date	Apr 29, 2020
Book Page	703/1565
Instrument	202000002145

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 10, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AUGLAIZE OH
Recording Date	May 17, 2019
Property Address	04988 DEEP CUT RD, SPENCERVILLE, OH 45887-9344
Document Number	0000002257
Book / Page	697 / 4963
Map Reference	OR 586 PG 1066
Instrument Date	May 17, 2019
Instrument	201900002257
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	04988 DEEP CUT RD, SPENCERVILLE, OH 45887-9344

Mortgage

Document Number	0000002258
Date	May 17, 2019
Instrument	201900002258

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2034

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AUGLAIZE OH
Recording Date	Apr 17, 2018
Property Address	04988 DEEP CUT RD, SPENCERVILLE, OH 45887-9344
Document Number	0000001682
Book / Page	000687 / 000977
Instrument Date	Apr 10, 2018
Instrument	1682
Transaction Type	Transfer
Record Updated	Apr 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	04988 DEEP CUT RD SPENCERVILLE OH 458879344, SPENCERVILLE, OH 45887-9344

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AUGLAIZE OH
Recording Date	Apr 17, 2018
Property Address	04988 DEEP CUT RD, SPENCERVILLE, OH 45887-9344
Document Number	0000001681
Book / Page	000687 / 000975
Instrument Date	Apr 10, 2018
Instrument	1681
Transaction Type	Transfer
Record Updated	Apr 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	04988 DEEP CUT RD SPENCERVILLE OH 458879344, SPENCERVILLE, OH 45887-9344

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AUGLAIZE OH
Recording Date	Apr 23, 2018
Property Address	04988 DEEP CUT RD, SPENCERVILLE, OH 45887-9344
Document Number	0000001819
Book / Page	000687 / 001720
Instrument Date	Apr 10, 2018
Instrument	1819
Transaction Type	Transfer
Record Updated	May 4, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	04988 DEEP CUT RD SPENCERVILLE OH 458879344, SPENCERVILLE, OH 45887-9344

Tax Assessment & Valuation

Source: Auglaize County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Auglaize County
County Subdivision	Salem Township
Unified School District	Spencerville Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$102,790 Land $10,260 Building $92,530
2023	$3,273.00 (-21.79%) Homeowner's exemption	$102,790 (+22.71%) Land $10,260 Building $92,530	$293,680 Land $29,300 Building $264,380
2022	$4,185.00 Homeowner's exemption	$83,770 Land $9,320 Building $74,450
2020			$239,350 Land $26,640 Building $212,710

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 04988 Deep Cut Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 10, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 04988 Deep Cut Rd is low, with less than 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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Watch TV Fixed Wireless	400 / 40

May also be available: MetaLINK Technologies, Speedwavz, Verizon, Wabash Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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