209 E 4th St, Spencerville, OH 45887 Property Records

Allen County property record for 209 E 4th St, Spencerville, OH 45887

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,550 sqft · built 1920
Lot Size	0.182 acres (7,928 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Apr 2026)
Tax Bill	$1,375 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Mar 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`44-1207-08-007.000`

Property Details

APN / Parcel Number

Primary APN	`44-1207-08-007.000`
Alternative APN	`E1944120708007000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,550 sqft Living Area
Gross Area	2,258 sqft
1st Floor Area	1,038 sqft
Upper Floors Area	512 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	7,928 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	136 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	209 E 4TH ST
City	SPENCERVILLE
State	OH
Zip	45887-1205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 RTS 04-04-12 FF 60.00
Legal Subdivision	AUDITORS PLAT
Legal Lot Number	2
Jurisdiction	ALLEN OH
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3047
Census Tract	10600

Owner

Source: Allen County records, as of May 21, 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	209 E 4TH ST, SPENCERVILLE, OH 45887-1205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Warranty Deed, Transfer · Conventional Mortgage SUPERIOR CREDIT UNION
Mar 17, 2023	Warranty Deed, Transfer · FHA Mortgage SERVION INC
Aug 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage THE UNION BANK CO
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE UNION BK CO
Apr 12, 2018	Grant Deed, Transfer · Conventional with PMI CITIZENS NAT'L BK/BLUFFTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Prior Sale	Mar 17, 2023 · Amount on Record
Deed Document Number	20263938
Prior Transfer Date	Aug 18, 2021
Prior Transfer Doc	8190011621
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Apr 22, 2026
Property Address	209 E 4TH ST, SPENCERVILLE, OH 45887-1205
Document Number	0000003938
Instrument Date	Apr 22, 2026
Instrument	2026.3938
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 E 4TH ST, SPENCERVILLE, OH 45887-1205

Mortgage

Document Number	0000003939,
Date	Apr 22, 2026
Instrument	2026..3939

Lender

Name	SUPERIOR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Mar 17, 2023
Property Address	209 E 4TH ST, SPENCERVILLE, OH 45887-1205
Document Number	3170002148
Book / Page	2023 / 2148
Map Reference	MB 2 PG 302&303
Instrument Date	Mar 6, 2023
Instrument	202303170002148
Transaction Type	Transfer
Record Updated	Mar 28, 2023

Transaction

Amount	Amount Recorded
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	209 E 4TH ST, SPENCERVILLE, OH 45887-1205

Mortgage

Document Number	3170002149
Date	Mar 17, 2023
Instrument	202303170002149

Lender

Name	SERVION INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEN OH
Recording Date	Aug 19, 2021
Property Address	209 E 4TH ST, SPENCERVILLE, OH 45887-1205
Document Number	8190011621
Book / Page	2021 / 11621
Map Reference	MB 2 PG 302&303
Instrument Date	Aug 18, 2021
Instrument	202108190011621
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 E 4TH ST, SPENCERVILLE, OH 45887-1205

Mortgage

Document Number	8190011622
Date	Aug 19, 2021
Instrument	202108190011622

Lender

Name	THE UNION BANK CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	209 E 4TH ST, SPENCERVILLE, OH 45887-1205
Document Number	0000012029
Instrument Date	Sep 29, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	209 E 4TH ST SPENCERVILLE OH 458871205, SPENCERVILLE, OH 45887-1205

Mortgage

Document Number	0000012029
Date	Oct 1, 2020
Instrument	12029

Lender

Name	THE UNION BK CO
Type	Bank
Address	COLUMBUS GROVE, OH 45830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEN OH
Recording Date	Apr 12, 2018
Property Address	209 E 4TH ST, SPENCERVILLE, OH 45887-1205
Document Number	0000003856
Instrument Date	Apr 11, 2018
Instrument	3856
Transaction Type	Transfer
Record Updated	Apr 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	209 E 4TH ST SPENCERVILLE OH 458871205, SPENCERVILLE, OH 45887-1205

Mortgage

Document Number	3857
Date	Apr 12, 2018
Instrument	3857

Lender

Name	CITIZENS NAT'L BK/BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2048

Tax Assessment & Valuation

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Spencer Township
Municipality	Spencerville Village
Unified School District	Spencerville Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,375.00 (-0.36%)	$41,900 (-) Land $5,390 Building $36,510	$119,700 (-) Land $15,400 Building $104,300
2024	$1,380.00 (+14.14%) Homeowner's exemption	$41,900 (+22.02%) Land $5,390 Building $36,510	$119,700 (+22.02%) Land $15,400 Building $104,300
2023	$1,209.00 (-0.25%) Homeowner's exemption	$34,340 (-) Land $4,410 Building $29,930
2022	$1,212.00 Homeowner's exemption	$34,340 Land $4,410 Building $29,930
2021			$98,100 Land $12,600 Building $85,500

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 June 20, 2024

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

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

Wildfire Risk	Not rated no burnable land within ember reach

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	SPENCERVILLE VILLAGE serves 2,261 people · EPA ID OH0201312
Water Source	Groundwater
Last State Inspection	Jan 2025
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	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 441 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
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: MetaLINK Technologies.

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