3098 Spencer Cir E, Geneva, OH 44041 Property Records

Ashtabula County property record for 3098 Spencer Cir E, Geneva, OH 44041

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1960
Lot Size	0.446 acres (19,419 sqft)
Owner	2 Individual Names on File
Last Sale	$94,900 (Apr 2019)
Tax Bill	$3,390 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-049-00-001-00`

Property Details

APN / Parcel Number

Primary APN	`17-049-00-001-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,296 sqft
1st Floor Area	864 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	19,419 sqft (0.446 acres)
Lot Dimensions	172 ft deep x 113 ft wide
Terrain	Low
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Stoop
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3098 SPENCER CIR E
City	GENEVA
State	OH
Zip	44041-9203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A &1 PEPWOOD
Legal Subdivision	PEPWOOD ALLOTMENT
Jurisdiction	ASHTABULA OH
Township / Civil Division	GENEVA
Census Block Group	2
Census Block	2000
Census Tract	802

Owner

3098 Spencer Cir E is owned by two individuals who bought it in April 2019.

Source: Ashtabula County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3090 PRINCETON ST, MADISON, OH 44057-2822
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
Feb 2, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Apr 16, 2019	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Sep 21, 2018	Warranty Deed, Transfer HOMEVESTORS INV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2019 · Amount on File
Deed Sale	Apr 16, 2019 · Amount on File
Prior Sale	Sep 21, 2018 · Amount on File
Deed Document Number	20193389
Deed Book / Page	680 / 2474
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHTABULA OH
Property Address	3098 SPENCER CIR E, GENEVA, OH 44041-9203
Transaction Type	Mortgage
Record Updated	Mar 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3098 SPENCER CIR E, GENEVA, OH 44041-9203

Mortgage

Document Number	0000001001
Date	Feb 2, 2023
Book Page	789/978
Instrument	2023-00001001

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	315 Months
Due	May 1, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHTABULA OH
Recording Date	Apr 16, 2019
Property Address	3098 SPENCER CIR E, GENEVA, OH 44041-9203
Document Number	0000003389
Book / Page	680 / 2474
Map Reference	VOL 11 PG 48
Instrument Date	Apr 12, 2019
Instrument	201900003389
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	ENTERPRISE TITLE

Transaction

Amount	Amount 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	3098 SPENCER CIR E, GENEVA, OH 44041-9203

Mortgage

Document Number	0000003390
Date	Apr 16, 2019
Instrument	201900003390

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

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

Mortgage

Document Number	0000003391
Date	Apr 16, 2019
Book Page	680/2494
Instrument	201900003391

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency
Address	GENEVA, OH 44041

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHTABULA OH
Recording Date	Sep 21, 2018
Property Address	3098 SPENCER CIR E, GENEVA, OH 44041-9203
Document Number	0000009490
Book / Page	000668 / 000442
Instrument Date	Sep 17, 2018
Instrument	9490
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3098 SPENCER CIR E GENEVA OH 440419203, GENEVA, OH 44041-9203

Mortgage

Document Number	9491
Date	Sep 21, 2018
Book Page	000668/000444
Instrument	9491

Lender

Name	HOMEVESTORS INV
Type	MERS
Address	DALLAS, TX 75206

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3098 Spencer Cir E was $3,390.

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	$3,390.00	$41,340 Land $8,190 Building $33,150	$118,100 Land $23,400 Building $94,700
2023	$1,957.00 (+21.78%) Homeowner's exemption	$41,340 (+34.05%) Land $8,190 Building $33,150	$118,100 Land $23,400 Building $94,700
2022	$1,607.00 Homeowner's exemption	$30,840 Land $6,300 Building $24,540
2020			$88,100 Land $18,000 Building $70,100

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

FEMA maps place 3098 Spencer Cir E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.

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

Wildfire risk around 3098 Spencer Cir E is low, with 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 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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