11786 Smith Rd, Spencer, OH 44275 Property Records

Medina County property record for 11786 Smith Rd, Spencer, OH 44275

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1978
Lot Size	5.97 acres (260,053 sqft)
Owner	Individual Name on File
Last Sale	$179,500 (Sep 2020)
Tax Bill	$3,482 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036-08B-02-004`

Property Details

APN / Parcel Number

Primary APN	`036-08B-02-004`
Alternative APNs	`36-08B-02-004` `0010300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	5 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	2,576 sqft
Basement Area	1,008 sqft
Finished Basement	475 sqft
Unfinished Basement	533 sqft
Game Room	Game Room

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Multi-Family
Exterior Material	Siding
Construction Type	Wood
Lot Area	260,053 sqft (5.97 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Deck Area	64 sqft
Patio Area	108 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	11786 SMITH RD
City	SPENCER
State	OH
Zip	44275-9777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 15 LOT 5 N MID PT 5.969A
Legal Subdivision	SPENCER SEC 15
Legal Tract	15
Legal Lot Number	5
Jurisdiction	MEDINA OH
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1003
Census Tract	410000

Owner

11786 Smith Rd is owned and occupied by an individual who bought it in September 2020.

Source: Medina County records, as of April 27, 2026

Owner of Record	Individual Name on File
Mailing Address	11786 SMITH RD, SPENCER, OH 44275-9777
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Prior Sale	Aug 19, 2009 · Amount on File
Deed Document Number	202022050
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEDINA OH
Recording Date	Sep 10, 2020
Property Address	11786 SMITH RD, SPENCER, OH 44275-9777
Document Number	0000022050
Instrument Date	Jul 27, 2020
Instrument	2020OR022050
Transaction Type	Transfer
Record Updated	May 12, 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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11786 SMITH RD, SPENCER, OH 44275-9777

Mortgage

Document Number	0000022051
Date	Sep 10, 2020
Instrument	2020OR022051

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 11786 Smith Rd was $3,482, up 33.9% from the year before.

Source: Medina County assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Medina County
County Subdivision	Spencer Township
Unified School District	Black River Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,482.00 (+33.87%)	$92,280 (+43.54%) Land $40,040 Building $52,240	$263,660 Land $114,390 Building $149,270
2024	$2,601.00 (+5.56%)	$64,290 (-) Land $23,070 Building $41,220
2023	$2,464.00	$64,290 Land $23,070 Building $41,220
2022			$183,680 Land $65,920 Building $117,760

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 11786 Smith Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 5, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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 11786 Smith 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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	1,000 / 1,000
Armstrong Cable	1,000 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Smith Rd

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