303 E 2nd St, Spencerville, OH 45887 Property Records

Allen County property record for 303 E 2nd St, Spencerville, OH 45887

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,265 sqft · built 1920
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$447 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`44-1210-03-003.000`

Property Details

APN / Parcel Number

Primary APN	`44-1210-03-003.000`
Alternative APN	`E1944121003003000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,265 sqft Living Area
Gross Area	1,377 sqft
1st Floor Area	1,265 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1971
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	112 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	303 E 2ND ST
City	SPENCERVILLE
State	OH
Zip	45887-1348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAYERS SUBDIVISION LOT 460 FF 66.00
Legal Subdivision	GAYERS SUBDIVISION
Legal Lot Number	460
Jurisdiction	ALLEN OH
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4038
Census Tract	10600

Owner

Source: Allen County records · APN 44-1210-03-003.000

Assessment roll updated May 21, 2026 · Last verified June 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 File
Mailing Address	303 E 2ND ST, SPENCERVILLE, OH 45887-1348
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 01, 1990
Deed Sale	Jan 01, 1990
Last Transfer Date	Sep 12, 2017
Transfer Doc	9180010292
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	303 E 2ND ST, SPENCERVILLE, OH 45887-1348
Document Number	0000008161
Instrument Date	Jul 02, 2020
Transaction Type	Mortgage
Record Updated	Aug 03, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 E 2ND ST SPENCERVILLE OH 458871348, SPENCERVILLE, OH 45887-1348

Mortgage

Document Number	0000008161
Date	Jul 20, 2020
Instrument	8161

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Allen County records · Assessment roll updated May 21, 2026 · Last verified June 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$447.00 (-2.61%) Homeowner's exemption	$23,630 (-) Land $5,950 Building $17,680	$67,500 (-) Land $17,000 Building $50,500
2024	$459.00 (+25.75%) Homeowner's exemption	$23,630 (+22.06%) Land $5,950 Building $17,680	$67,500 (+22.06%) Land $17,000 Building $50,500
2023	$365.00 (-3.69%) Homeowner's exemption	$19,360 (-) Land $4,870 Building $14,490
2022	$379.00 Homeowner's exemption	$19,360 Land $4,870 Building $14,490
2021			$55,300 Land $13,900 Building $41,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Allen County (39003C), updated June 20, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390030106004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 441 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: Defiance Holdings.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	SPENCERVILLE VILLAGE serves 2,261 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.