3075 Spencer Cir E, Geneva, OH 44041 Property Records

Ashtabula County property record for 3075 Spencer Cir E, Geneva, OH 44041

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 1960
Lot Size	0.438 acres (19,079 sqft)
Owner	Individual Name on Record
Last Sale	$139,900 (Apr 2019)
Tax Bill	$5,354 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-049-00-074-00`

Property Details

APN / Parcel Number

Primary APN	`17-049-00-074-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,728 sqft Living Area
Gross Area	2,928 sqft
1st Floor Area	864 sqft
Basement Area	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	19,079 sqft (0.438 acres)
Lot Dimensions	172 ft deep x 111 ft wide
Terrain	Low
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Stoop
Porch Area	96 sqft
Deck Area	280 sqft
Patio Area	280 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3075 SPENCER CIR E
City	GENEVA
State	OH
Zip	44041-9203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 PEPWOOD & PART OF 4 PEPWOOD
Legal Subdivision	PEPWOOD
Legal Lot Number	4
Jurisdiction	ASHTABULA OH
Township / Civil Division	GENEVA
Census Block Group	2
Census Block	2002
Census Tract	802

Owner

Source: Ashtabula County records, as of May 27, 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	4010 CLINTON AVE, CLEVELAND, OH 44113-2824
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2020	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Apr 8, 2019	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2019 · Amount on Record
Deed Sale	Apr 8, 2019 · Amount on Record
Prior Sale	Apr 17, 2013 · Amount on Record
Deed Document Number	20193129
Deed Book / Page	680 / 949
Prior Transfer Date	Jun 12, 2018
Prior Transfer Doc	0000006071
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHTABULA OH
Property Address	3075 SPENCER CIR E, GENEVA, OH 44041-9203
Document Number	0000003696
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3075 SPENCER CIR E GENEVA OH 440419203, GENEVA, OH 44041-9203

Mortgage

Document Number	0000003696
Date	Apr 23, 2020
Book Page	000706/002521
Instrument	3696

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHTABULA OH
Recording Date	Apr 8, 2019
Property Address	3075 SPENCER CIR E, GENEVA, OH 44041-9203
Document Number	0000003129
Book / Page	680 / 0949
Map Reference	VOL 11 PG 48
Instrument Date	Apr 5, 2019
Instrument	201900003129
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	VENTURE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3075 SPENCER CIR E, GENEVA, OH 44041-9203

Mortgage

Document Number	0000003130
Date	Apr 8, 2019
Instrument	201900003130

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHTABULA OH
Recording Date	Jun 20, 2018
Property Address	3075 SPENCER CIR E, GENEVA, OH 44041-9203
Document Number	0000006071
Book / Page	000661 / 002670
Instrument Date	Jun 12, 2018
Instrument	6071
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3075 SPENCER CIR E GENEVA OH 440419203, GENEVA, OH 44041-9203

Tax Assessment & Valuation

Source: Ashtabula County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ashtabula County
County Subdivision	Geneva Township
Unified School District	Geneva Area City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,354.00 (+76.18%)	$65,280 (-) Land $8,020 Building $57,260	$186,500 (-) Land $22,900 Building $163,600
2023	$3,039.00 (+22.39%) Homeowner's exemption	$65,280 (+34.27%) Land $8,020 Building $57,260	$186,500 (+34.27%) Land $22,900 Building $163,600
2022	$2,483.00 Homeowner's exemption	$48,620 Land $6,200 Building $42,420
2020			$138,900 Land $17,700 Building $121,200

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 August 28, 2019 · 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 Claims	1 (1984)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1984 · rainfall accumulation

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	GENEVA CITY PWS serves 5,924 people · EPA ID OH0401712
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 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	3 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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