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2 Spencer Ct, Amelia, OH 45102 Property Records

Clermont County property record for 2 Spencer Ct, Amelia, OH 45102

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,080 sqft · built 2011
Lot Size0.266 acres (11,587 sqft)
OwnerIndividual Name on Record
Last Sale$135,000 (Dec 2017)
Tax Bill$3,901 (2025)
Deeds & MortgagesOct 2021 Mortgage
May 2021 Second Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN29-01-14.-501

Property Details

APN / Parcel Number

Primary APN29-01-14.-501

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,080 sqft Living Area
1st Floor Area1,080 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2011
Effective Year BuiltEffective 2011
Architectural StyleRanch
Exterior MaterialWood
Construction TypeFrame
Lot Area11,587 sqft (0.266 acres)
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area40 sqft
Patio Area88 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address2 SPENCER CT
CityAMELIA
StateOH
Zip45102-2364
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSOUTH RIDGE SECTION ONE LOT 26
Legal SubdivisionSOUTH RIDGE
Legal Lot Number26
JurisdictionCLERMONT OH
Township / Civil DivisionPIERCE
Census Block Group2
Census Block2001
Census Tract41503

Owner

Source: Clermont County records, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address2 SPENCER CT, AMELIA, OH 45102-2364
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNION SAVINGS BANK
May 19, 2021Deed of Trust, Mortgage · Stand-Alone Second Mortgage
GUARDIAN SAVINGS BANK
Dec 15, 2017Deed, Transfer · Conventional Mortgage
GUARDIAN SAVINGS BANK FSB
Dec 15, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY
Nov 20, 2017Trustee's Deed, Foreclosure
Oct 3, 2017Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 15, 2017 · Amount on Record
Deed SaleDec 15, 2017 · Amount on Record
Prior SaleOct 3, 2017 · Amount on Record
Deed Document Number201729202
Prior Transfer DateSep 26, 2017
Prior Transfer Doc0000022882
Record UpdatedOct 29, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLERMONT OH
Property Address2 SPENCER CT, AMELIA, OH 45102-2364
Transaction TypeMortgage
Record UpdatedOct 28, 2021
Title CompanyPROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000033984
DateOct 18, 2021
Book Page2898/3756
Instrument202100033984
Lender
NameUNION SAVINGS BANK
TypeBank
AddressCINCINNATI, OH 45249
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueNov 1, 2041

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLERMONT OH
Property Address2 SPENCER CT, AMELIA, OH 45102-2364
Transaction TypeMortgage
Record UpdatedJun 1, 2021
Title CompanyPROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000016177
DateMay 19, 2021
Book Page2880/5728
Instrument202100016177
Lender
NameGUARDIAN SAVINGS BANK
TypeBank
AddressCINCINNATI, OH 45239
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term301 Months
DueJun 1, 2046

December 2017: Deed, Transfer

Document TypeDeed
JurisdictionCLERMONT OH
Recording DateDec 15, 2017
Property Address2 SPENCER CT, AMELIA, OH 45102-2364
Document Number0000029202
Map ReferencePC 13 PG 323-325
Instrument DateDec 8, 2017
Instrument201700029202
Transaction TypeTransfer
Record UpdatedMay 16, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$540.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333

Mortgage

Document Number0000029203
DateDec 15, 2017
Instrument201700029203
Lender
NameGUARDIAN SAVINGS BANK FSB
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term372 Months
DueJan 1, 2048
Interest
Rate TypeFixed Rate

December 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCLERMONT OH
Recording DateDec 15, 2017
Property Address2 SPENCER CT, AMELIA, OH 45102-2364
Document Number0000029201
Book / Page002745 / 000801
Instrument DateDec 8, 2017
Instrument29201
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3036 STRATFORD CT LOVELAND OH 451408255, LOVELAND, OH 45140-8255
InvestorPossibly a Property Investor

November 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionCLERMONT OH
Recording DateNov 20, 2017
Property Address2 SPENCER CT, AMELIA, OH 45102-2364
Document Number0000027175
Book / Page002740 / 002256
Instrument DateNov 17, 2017
Instrument27175
Transaction TypeForeclosure
Record UpdatedNov 29, 2017

Transaction

AmountAmount Recorded
Tax$440.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3036 STRATFORD CT LOVELAND OH 451408255, LOVELAND, OH 45140-8255
InvestorPossibly a Property Investor

October 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionCLERMONT OH
Recording DateOct 3, 2017
Property Address2 SPENCER CT, AMELIA, OH 45102-2364
Document Number0000022882
Book / Page002731 / 002448
Instrument DateSep 26, 2017
Instrument22882
Transaction TypeForeclosure
Record UpdatedNov 1, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$440.00
Amount AccuracyConfirmed
Additional
  • Foreclosure Auction
  • Lis Pendens

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3036 STRATFORD CT LOVELAND OH 451408255, LOVELAND, OH 45140-8255

Tax Assessment & Valuation

Source: Clermont County assessment roll, as of April 13, 2026

Property Jurisdictions

TypeName
StateOhio
CountyClermont County
County SubdivisionPierce Township
Unified School DistrictWest Clermont Local School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,901.00 (-44.35%)$72,560 (-) Land $14,910 Building $57,650
2024$207,300 (-) Land $42,600 Building $164,700
2023$7,010.00 (+133.05%) Homeowner's exemption$72,560 (+41.89%) Land $14,910 Building $57,650$207,300 (+41.89%) Land $42,600 Building $164,700
2022$3,008.00 Homeowner's exemption$51,140 Land $10,500 Building $40,640
2020$146,100 Land $30,000 Building $116,100

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

Source: FEMA National Flood Hazard Layer, effective February 6, 2010

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemTATE-MONROE WATER ASSOCIATION PWS
private · serves 24,092 people · EPA ID OH1301312
Water SourceGroundwater
Last State InspectionFeb 2025
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 68 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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