Allen County property record for 2915 Spencerville Rd, Lima, OH 45805
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,073 sqft · built 1920 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $22,000 (Jun 1972) |
| Tax Bill | $3,225 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 46-0303-01-054.000 |
| Primary APN | 46-0303-01-054.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,073 sqft Living Area |
| Gross Area | 3,353 sqft |
| 1st Floor Area | 1,152 sqft |
| Upper Floors Area | 819 sqft |
| Basement Area | 1,152 sqft |
| Family Room | Family Room |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Frame Porch |
| Porch Area | 148 sqft |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Street Address | 2915 SPENCERVILLE RD |
|---|---|
| City | LIMA |
| State | OH |
| Zip | 45805-3622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NW COR E1/2 SW1/4 RTS 06-04-03 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | SHAWNEE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 11800 |
2915 Spencerville Rd is owned and occupied by two individuals who bought it in June 1972.
Source: Allen County records, as of July 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2915 SPENCERVILLE RD, LIMA, OH 45805-3622 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 1972 · Amount on File |
| Deed Sale | Jun 1, 1972 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Jul 16, 2026 |
| Property Address | 2915 SPENCERVILLE RD, LIMA, OH 45805-3622 |
| Document Number | 0000007469 |
| Instrument Date | Jun 13, 2026 |
| Instrument | 20267469 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2915 SPENCERVILLE RD, LIMA, OH 45805-3622 |
| Document Number | 0000007469, |
|---|---|
| Date | Jul 16, 2026 |
| Instrument | 20267469 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 2915 Spencerville Rd was $3,225 with a homeowner's exemption, down 0.5% from the year before.
Source: Allen County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Allen County |
| County Subdivision | Shawnee Township |
| Unified School District | Shawnee Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,225.00 (-0.46%) | $76,030 (-) Land $16,560 Building $59,470 | $217,200 (-) Land $47,300 Building $169,900 |
| 2024 | $3,240.00 (+7.82%) Homeowner's exemption | $76,030 (+20.02%) Land $16,560 Building $59,470 | $217,200 Land $47,300 Building $169,900 |
| 2023 | $3,005.00 (-1.51%) Homeowner's exemption | $63,350 (-) Land $13,790 Building $49,560 | |
| 2022 | $3,051.00 Homeowner's exemption | $63,350 Land $13,790 Building $49,560 | |
| 2021 | $181,000 Land $39,400 Building $141,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2915 Spencerville Rd in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1978.
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 File 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 risk around 2915 Spencerville Rd is low, with less than 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 95% of the US · lower than 78% 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.
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 |
| 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.
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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