3095 Spalding Dr, Mason, OH 45040 Property Records

Warren County property record for 3095 Spalding Dr, Mason, OH 45040

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,454 sqft · built 2000
Lot Size	0.556 acres (24,219 sqft)
Owner	Individual Name on File
Last Sale	$16,667 (Oct 2016)
Tax Bill	$6,861 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-32-126-033-0`

Property Details

APN / Parcel Number

Primary APN	`12-32-126-033-0`
Alternative APNs	`1232126033` `1131811`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,454 sqft Living Area
Gross Area	4,074 sqft
1st Floor Area	409 sqft
2nd Floor Area	1,166 sqft
Basement Area	689 sqft
Finished Basement	689 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Lot Area	24,219 sqft (0.556 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces
Deck Area	678 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1131811
Street Address	3095 SPALDING DR
City	MASON
State	OH
Zip	45040-7403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRWAY CRKD.TREE 2C LOT 121
Legal Subdivision	FAIRWAY CRKD.TREE 2C
Legal Block	811
Legal Lot Number	121
Jurisdiction	WARREN OH
Township / Civil Division	MASON
Census Block Group	3
Census Block	3004
Census Tract	31907

Owner

3095 Spalding Dr is owned and occupied by an individual who acquired it in May 2020.

Source: Warren County records, as of July 30, 2026

Owner of Record	Individual Name on File
Mailing Address	3095 SPALDING DR, MASON, OH 45040-7403
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage RAPID MORTGAGE COMPANY
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage RAPID MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2016 · Amount on File
Deed Sale	Oct 31, 2016 · Amount on File
Prior Sale	Feb 9, 2015 · Amount on File
Deed Document Number	201633355
Last Transfer Date	May 5, 2020
Transfer Doc	0000016257
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Jul 17, 2026
Property Address	3095 SPALDING DR, MASON, OH 45040-7403
Document Number	0000019992
Instrument Date	Jul 11, 2026
Instrument	202619992
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 SPALDING DR, MASON, OH 45040-7403

Mortgage

Document Number	0000019992,
Date	Jul 17, 2026
Instrument	202619992

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2056

Interest

Rate	6.52%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	3095 SPALDING DR, MASON, OH 45040-7403
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011012
Date	Mar 10, 2021
Instrument	2021-011012

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	3095 SPALDING DR, MASON, OH 45040-7403
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021011012
Date	Mar 10, 2021
Instrument	2021-011012

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3095 Spalding Dr was $6,861, down 0.5% from the year before.

Source: Warren County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
Municipality	Mason City
Unified School District	Mason City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,861.00 (-0.49%)	$169,900 Land $31,500 Building $138,400	$485,420 Land $90,000 Building $395,420
2024	$6,895.00 (+7.57%)
2023	$6,410.00 (+1.31%) Homeowner's exemption	$133,438 (-) Land $19,950 Building $113,488
2022	$6,327.00 Homeowner's exemption	$133,438 Land $19,950 Building $113,488	$381,250 (-) Land $57,000 Building $324,250
2021			$381,250 Land $57,000 Building $324,250

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

Flood

FEMA maps place 3095 Spalding Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 25, 2025 · 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	3 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

Wildfire risk around 3095 Spalding Dr 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 94% of the US · lower than 74% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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