Jackson County property record for 2889 Spencer Rd, Ray, OH 45672
| Property Type | Single Family Home |
|---|---|
| Lot Size | 27 acres (1,178,385 sqft) |
| Owner | Company Name on Record |
| Last Sale | $113,000 (Aug 2019) |
| Tax Bill | $1,156 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Jun 2026 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | E080040001500 |
| Primary APN | E080040001500 |
|---|
| Lot Area | 1,178,385 sqft (27 acres) |
|---|---|
| Terrain | Rolling |
| Pole Barn | 2,015 sqft |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 2889 SPENCER RD |
|---|---|
| City | RAY |
| State | OH |
| Zip | 45672-9684 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE SW SE NW TRACT 4 |
| Legal Range | 19 |
| Legal Township | 08 |
| Legal Section | 15 |
| Legal Tract | 4 |
| Jurisdiction | JACKSON OH |
| Township / Civil Division | JACKSON |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 957400 |
Source: Jackson County records, as of July 7, 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 | Company Name on Record |
|---|---|
| Mailing Address | 7660 CAVE RD, BAINBRIDGE, OH 45612-9501 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jun 15, 2026 | Warranty Deed, Transfer DOWNTOWN TITLE |
| Jun 15, 2026 | Warranty Deed, Transfer DOWNTOWN TITLE |
| Aug 19, 2019 | Warranty Deed, Transfer |
| Jun 14, 2019 | Warranty Deed, Transfer · ARM ATOMIC CU |
| Jun 14, 2019 | Warranty Deed, Transfer · ARM ATOMIC CU |
| May 15, 2019 | Warranty Deed, Transfer WILCOX LAND FINANCE COMPANY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2019 · Amount on Record |
| Deed Sale | Aug 19, 2019 · Amount on Record |
| Prior Sale | Jun 14, 2019 · Amount on Record |
| Deed Document Number | 20192695 |
| Deed Book / Page | 141 / 1443 |
| Last Transfer Date | Jun 11, 2026 |
| Transfer Doc | 0000001987 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON OH |
| Recording Date | Jun 15, 2026 |
| Property Address | 2889 SPENCER RD, RAY, OH 45672-9684 |
| Document Number | 0000001987 |
| Book / Page | 196 / 974 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 20261987 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | DOWNTOWN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 943 OLD SPRINGFIELD PIKE, XENIA, OH 45385-1235 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON OH |
| Recording Date | Jun 15, 2026 |
| Property Address | 2889 SPENCER RD, RAY, OH 45672-9684 |
| Document Number | 0000001988 |
| Book / Page | 196 / 977 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 20261988 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | DOWNTOWN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7660 CAVE RD, BAINBRIDGE, OH 45612-9501 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON OH |
| Recording Date | Aug 19, 2019 |
| Property Address | 2889 SPENCER RD, RAY, OH 45672-9684 |
| Document Number | 00141/1443 |
| Book / Page | 141 / 1443 |
| Instrument Date | Aug 16, 2019 |
| Instrument | 201900002695 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 943 OLD SPRINGFIELD PIKE, XENIA, OH 45385-1235 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON OH |
| Recording Date | Jun 14, 2019 |
| Property Address | 2889 SPENCER RD, RAY, OH 45672-9684 |
| Document Number | 00140/0183 |
| Book / Page | 140 / 0183 |
| Instrument Date | May 24, 2019 |
| Instrument | 201900001902 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2234 SPENCER ROAD, TREMONT CITY, OH 45372 |
| Document Number | 201900001904 |
|---|---|
| Date | Jun 14, 2019 |
| Instrument | 201900001904 |
| Name | ATOMIC CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.36% |
| Change Frequency | Annually |
| Min Rate At Change | 2.36% |
| Max Rate At Change | 6.36% |
| Index | 1-Year CMT |
| Max Rate | 10.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON OH |
| Recording Date | Jun 14, 2019 |
| Property Address | 2889 SPENCER RD, RAY, OH 45672-9684 |
| Document Number | 00140/0183 |
| Book / Page | 140 / 0183 |
| Instrument Date | May 24, 2019 |
| Instrument | 201900001902 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2234 SPENCER ROAD, TREMONT CITY, OH 45372 |
| Document Number | 201900001904 |
|---|---|
| Date | Jun 14, 2019 |
| Instrument | 201900001904 |
| Name | ATOMIC CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.36% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Min Rate At Change | 2.36% |
| Max Rate At Change | 6.36% |
| Index | 1-Year CMT |
| Max Rate | 10.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON OH |
| Recording Date | May 15, 2019 |
| Property Address | 2889 SPENCER RD, RAY, OH 45672-9684 |
| Document Number | 00139/0932 |
| Book / Page | 139 / 0932 |
| Instrument Date | May 6, 2019 |
| Instrument | 201900001512 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3451 CINCINNATI ZANESVILLE RD SW, LANCASTER, OH 43130-9205 |
| Investor | Possibly a Property Investor |
| Document Number | 201900001568 |
|---|---|
| Date | May 15, 2019 |
| Instrument | 201900001568 |
| Name | WILCOX LAND FINANCE COMPANY LLC |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | May 7, 2020 |
Source: Jackson County assessment roll, as of March 23, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Jackson County |
| County Subdivision | Jackson Township |
| Unified School District | Jackson City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,156.00 (+28.02%) | $25,500 (+32.61%) Land $19,230 Building $6,270 | $72,840 (+32.58%) Land $54,940 Building $17,900 |
| 2023 | $903.00 (+63.88%) | $19,230 (+65.63%) Land $19,230 | |
| 2022 | $551.00 | $11,610 Land $11,610 | |
| 2020 | $54,940 Land $54,940 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 18, 2009 · 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 |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 14 (1997–2011) |
| Claims Outside the SFHA | 3 of 14 |
| Most Recent Claim | May 2011 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| altafiber Network Solutions Fixed Wireless | 100 / 20 |
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