12161 Millstone Ln, Spencer, OH 44275 Property Records

Medina County property record for 12161 Millstone Ln, Spencer, OH 44275

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,722 sqft · built 2018
Lot Size	2.06 acres (89,734 sqft)
Owner	Individual Name on File
Last Sale	$388,000 (Aug 2022)
Tax Bill	$5,902 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-08C-20-043`

Property Details

APN / Parcel Number

Primary APN	`036-08C-20-043`
Alternative APNs	`36-08C-20-043` `00002489950`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	2,722 sqft Living Area
1st Floor Area	3,256 sqft
Upper Floors Area	1,094 sqft
Basement Area	1,586 sqft
Unfinished Basement	1,586 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Wood Siding
Lot Area	89,734 sqft (2.06 acres)
Garage Area	1,468 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	12161 MILLSTONE LN
City	SPENCER
State	OH
Zip	44275-9578
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 WH MILL CREEK CROSSING 2.0697 AC
Legal Subdivision	WH MILL CREEK
Legal Lot Number	9
Jurisdiction	MEDINA OH
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2035
Census Tract	410000

Owner

12161 Millstone Ln is owned and occupied by an individual who bought it in August 2022.

Source: Medina County records, as of October 15, 2026

Owner of Record	Individual Name on File
Mailing Address	12161 MILLSTONE LN, SPENCER, OH 44275-9578
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
Oct 8, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Aug 3, 2022	Limited Warranty Deed, Transfer · Conventional Mortgage PREMIER BANK
Dec 20, 2017	Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2022 · Amount on File
Deed Sale	Aug 3, 2022 · Amount on File
Prior Sale	Dec 30, 2016 · Amount on File
Deed Document Number	202216650
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEDINA OH
Recording Date	Oct 8, 2026
Property Address	12161 MILLSTONE LN, SPENCER, OH 44275-9578
Document Number	0000019275
Instrument Date	Sep 30, 2026
Instrument	202619275
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12161 MILLSTONE LN, SPENCER, OH 44275-9578

Mortgage

Document Number	0000019275,
Date	Oct 8, 2026
Instrument	202619275

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2056

Interest

Max Rate	-1%

August 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	MEDINA OH
Recording Date	Aug 3, 2022
Property Address	12161 MILLSTONE LN, SPENCER, OH 44275-9578
Document Number	0000016650
Map Reference	VOL 28 PG 213
Instrument Date	Aug 2, 2022
Instrument	2022OR016650
Transaction Type	Transfer
Record Updated	Aug 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
Relationship	Right of Survivorship
Address	12161 MILLSTONE LN, SPENCER, OH 44275-9578

Mortgage

Document Number	0000016651
Date	Aug 3, 2022
Instrument	2022OR016651

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

December 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MEDINA OH
Recording Date	Dec 20, 2017
Property Address	12161 MILLSTONE LN, SPENCER, OH 44275-9578
Document Number	0000028930
Instrument Date	Dec 19, 2017
Instrument	28930
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	6880 MILLERS PASS SPENCER OH 442759605, SPENCER, OH 44275-9605

Tax Assessment & Valuation

The 2025 property tax bill for 12161 Millstone Ln was $5,902, up 36.3% 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	$5,902.00 (+36.3%)	$157,380 (+46.28%) Land $24,050 Building $133,330	$449,670 Land $68,720 Building $380,950
2024	$4,330.00 (+5.58%)	$107,590 (-) Land $15,000 Building $92,590
2023	$4,101.00 (+3.85%)	$107,590 (+6.49%) Land $15,000 Building $92,590
2022	$3,949.00	$101,030 Land $15,000 Building $86,030	$307,410 Land $42,860 Building $264,550

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 12161 Millstone Ln in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 12161 Millstone Ln is low, with 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 71% of Ohio
Wildfire Likelihood	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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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