2578 Spencerville Rd, Lima, OH 45805 Property Records

Allen County property record for 2578 Spencerville Rd, Lima, OH 45805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,346 sqft · built 1999
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Individual Names on Record
Last Sale	$288,500 (Mar 2017)
Tax Bill	$6,946 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`46-0308-02-002.004`

Property Details

APN / Parcel Number

Primary APN	`46-0308-02-002.004`
Alternative APN	`L3546030802002004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,346 sqft Living Area
Gross Area	3,892 sqft
1st Floor Area	2,233 sqft
Basement Area	1,113 sqft
Finished Basement	1,113 sqft
Family Room	Family Room

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	41,818 sqft (0.96 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Frame Porch
Porch Area	182 sqft
Deck Area	130 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2578 SPENCERVILLE RD
City	LIMA
State	OH
Zip	45805-3616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE1/4-.024 AC ST HWY EASE JOINT TEN RTS 06-04-03
Jurisdiction	ALLEN OH
Township / Civil Division	SHAWNEE
Census Block Group	2
Census Block	2000
Census Tract	11800

Owner

Source: Allen County records, as of May 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2578 SPENCERVILLE RD, LIMA, OH 45805-3616
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Deed of Trust, Mortgage SUPERIOR CU
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUPERIOR CU
Jul 30, 2020	Deed of Trust, Mortgage SUPERIOR CU
Mar 3, 2017	Warranty Deed, Transfer · Conventional with PMI WRIGHT-PATT CU
Jan 6, 2017	Deed of Trust, Mortgage · Line of Credit FIRST FED'L BK/THE MIDWEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2017 · Amount on Record
Deed Sale	Mar 3, 2017 · Amount on Record
Prior Sale	Nov 20, 2013 · Amount on Record
Deed Document Number	20172225
Deed Book / Page	2017 / 2225
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2578 SPENCERVILLE RD, LIMA, OH 45805-3616
Transaction Type	Mortgage
Record Updated	Jul 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7070008001
Date	Jul 7, 2022
Book Page	2022/8001
Instrument	202207070008001

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Jul 2, 2034

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2578 SPENCERVILLE RD, LIMA, OH 45805-3616
Document Number	0000011940
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2578 SPENCERVILLE RD LIMA OH 458053616, LIMA, OH 45805-3616

Mortgage

Document Number	0000011940
Date	Sep 29, 2020
Instrument	11940

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Sep 28, 2032

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2578 SPENCERVILLE RD, LIMA, OH 45805-3616
Document Number	0000008774
Instrument Date	Jul 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2578 SPENCERVILLE RD LIMA OH 458053616, LIMA, OH 45805-3616

Mortgage

Document Number	0000008774
Date	Jul 31, 2020
Instrument	8774

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Mar 3, 2017
Property Address	2578 SPENCERVILLE RD, LIMA, OH 45805-3616
Document Number	0000002225
Book / Page	002017 / 002226
Instrument Date	Feb 24, 2017
Instrument	2225
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	HALLMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$865.50
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	2578 SPENCERVILLE RD LIMA OH 458053616, LIMA, OH 45805-3616

Mortgage

Document Number	2226
Date	Mar 3, 2017
Book Page	002017/002226
Instrument	2226

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45431

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2578 SPENCERVILLE RD, LIMA, OH 45805-3616
Document Number	0000001082
Instrument Date	Jan 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2578 SPENCERVILLE RD LIMA OH 458053616, LIMA, OH 45805-3616

Mortgage

Document Number	0000001082
Date	Feb 1, 2017
Instrument	1082

Lender

Name	FIRST FED'L BK/THE MIDWEST
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 31, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Shawnee Township
Unified School District	Shawnee Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,946.00 (+0.06%)	$142,450 (-) Land $11,690 Building $130,760	$407,000 (-) Land $33,400 Building $373,600
2024	$6,942.00 (+5.87%) Homeowner's exemption	$142,450 (+20.02%) Land $11,690 Building $130,760	$407,000 (+20.02%) Land $33,400 Building $373,600
2023	$6,557.00 (-0.97%) Homeowner's exemption	$118,690 (-) Land $9,730 Building $108,960
2022	$6,621.00 Homeowner's exemption	$118,690 Land $9,730 Building $108,960
2021			$339,100 Land $27,800 Building $311,300

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	26 (1978–2019)
Claims Outside the SFHA	6 of 26
Most Recent Claim	Apr 2019 · river or lake flooding

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

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	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	LIMA CITY serves 65,619 people · EPA ID OH0200811
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2026 Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Dec 2016
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: TSC.

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