308 E 1st St, Spencerville, OH 45887 Property Records

Allen County property record for 308 E 1st St, Spencerville, OH 45887

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,496 sqft · built 1920
Lot Size	0.628 acres (27,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$162,000 (Apr 2021)
Tax Bill	$1,429 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`44-1210-16-003.000`

Property Details

APN / Parcel Number

Primary APN	`44-1210-16-003.000`
Alternative APN	`E1944121016003000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,496 sqft Living Area
1st Floor Area	1,632 sqft
Upper Floors Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	27,356 sqft (0.628 acres)
Lot Dimensions	405 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Frame Porch
Porch Area	288 sqft
Patio Area	104 sqft
Canopy	104 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	308 E 1ST ST
City	SPENCERVILLE
State	OH
Zip	45887-1302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELIZABETH MEIHLS SUBDIVISION LOT 327 WHOLE-NW PT- STRIP 50X10 FF 050.00 JOINT TEN
Legal Subdivision	ELIZABETH MEIHLS SUBDIVISION
Legal Lot Number	327
Jurisdiction	ALLEN OH
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4004
Census Tract	10600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	308 E 1ST ST, SPENCERVILLE, OH 45887-1302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 6, 2018	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2021 · Amount on Record
Deed Sale	Apr 15, 2021 · Amount on Record
Prior Sale	Nov 15, 2000 · Amount on Record
Deed Document Number	20214993
Deed Book / Page	2021 / 4993
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Apr 15, 2021
Property Address	308 E 1ST ST, SPENCERVILLE, OH 45887-1302
Document Number	4150004993
Book / Page	2021 / 4993
Map Reference	MB 3 PG 82
Instrument Date	Apr 5, 2021
Instrument	202104150004993
Transaction Type	Transfer
Record Updated	Apr 26, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	308 E 1ST ST, SPENCERVILLE, OH 45887-1302

Mortgage

Document Number	4150004994
Date	Apr 15, 2021
Instrument	202104150004994

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	308 E 1ST ST, SPENCERVILLE, OH 45887-1302
Document Number	0000013563
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Dec 17, 2018
Title Company	SOLIDIFI US INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	308 1ST # SPENCERVILLE OH 45887, SPENCERVILLE, OH 45887

Mortgage

Document Number	0000013563
Date	Dec 5, 2018
Book Page	002018/013563
Instrument	13563

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 4, 2038

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	Spencer Township
Municipality	Spencerville Village
Unified School District	Spencerville Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,429.00 (-0.28%)	$43,410 (-) Land $6,480 Building $36,930	$124,000 (-) Land $18,500 Building $105,500
2024	$1,433.00 (+14%) Homeowner's exemption	$43,410 (+21.94%) Land $6,480 Building $36,930	$124,000 (+21.93%) Land $18,500 Building $105,500
2023	$1,257.00 (-0.24%) Homeowner's exemption	$35,600 (-) Land $5,320 Building $30,280
2022	$1,260.00 Homeowner's exemption	$35,600 Land $5,320 Building $30,280
2021			$101,700 Land $15,200 Building $86,500

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
Nearby Flood Policies	1 in force

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	None beyond ember reach

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	SPENCERVILLE VILLAGE serves 2,261 people · EPA ID OH0201312
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, 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 441 locations within half a mile, as of December 31, 2025

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

May also be available: MetaLINK Technologies.

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