Medina County property record for 105 E Lorain St, Spencer, OH 44275
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,020 sqft · built 1930 |
| Lot Size | 0.152 acres (6,621 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Jan 2022) |
| Tax Bill | $1,618 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Jan 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-27A-03-122 |
| Primary APN | 037-27A-03-122 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 7 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,020 sqft Living Area |
| 1st Floor Area | 1,536 sqft |
| Upper Floors Area | 252 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Siding |
| Construction Type | Wood |
| Lot Area | 6,621 sqft (0.152 acres) |
| Lot Dimensions | 102 ft deep x 65 ft wide |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | 180 sqft |
| Patio Area | 260 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 105 E LORAIN ST |
|---|---|
| City | SPENCER |
| State | OH |
| Zip | 44275-9529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 100 W PT CENTERVILLE .000A |
| Legal Subdivision | CENTERVILLE PLAT |
| Legal Lot Number | 100 |
| Jurisdiction | MEDINA OH |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 410000 |
Source: Medina County records, as of April 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 123, SPENCER, OH 44275-0123 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jan 7, 2022 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 7, 2022 · Amount on Record |
| Deed Sale | Jan 7, 2022 · Amount on Record |
| Deed Document Number | 2022528 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEDINA OH |
| Property Address | 105 E LORAIN ST, SPENCER, OH 44275-9529 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2023 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000010131 |
|---|---|
| Date | Jul 10, 2023 |
| Instrument | 2023OR010131 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MEDINA OH |
| Recording Date | Jan 7, 2022 |
| Property Address | 105 E LORAIN ST, SPENCER, OH 44275-9529 |
| Document Number | 0000000528 |
| Instrument Date | Mar 30, 2021 |
| Instrument | 2022OR000528 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 E LORAIN ST, SPENCER, OH 44275-9529 |
| Document Number | 0000000529 |
|---|---|
| Date | Jan 7, 2022 |
| Instrument | 2022OR000529 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Apr 1, 2051 |
Source: Medina County assessment roll, as of April 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Medina County |
| Municipality | Spencer Village |
| Unified School District | Black River Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,618.00 (-2.35%) | $36,620 (+6.08%) Land $8,970 Building $27,650 | $104,630 (+6.06%) Land $25,630 Building $79,000 |
| 2024 | $1,657.00 (+4.61%) | $34,520 (-) Land $12,460 Building $22,060 | |
| 2023 | $1,584.00 (+31.13%) | $34,520 (-) Land $12,460 Building $22,060 | |
| 2022 | $1,208.00 Homeowner's exemption | $34,520 Land $12,460 Building $22,060 | $98,650 Land $35,610 Building $63,040 |
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.
Source: FEMA National Flood Hazard Layer, effective January 5, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 85% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGE OF SPENCER serves 800 people · EPA ID OH5201611 |
|---|---|
| Water Source | Purchased surface water from RURAL LORAIN CO. WATER A |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Omni Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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