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

Allen County property record for 320 E 1st St, Spencerville, OH 45887

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,220 sqft · built 1920
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Apr 2025)
Tax Bill	$785 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-1210-16-001.000`

Property Details

APN / Parcel Number

Primary APN	`44-1210-16-001.000`
Alternative APN	`E1944121016001000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,220 sqft Living Area
Gross Area	1,820 sqft
1st Floor Area	1,220 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1968
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	142 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	320 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 325 NE PT - STRIP 95 X 10 ST FF 95.00
Legal Subdivision	ELIZABETH MEIHLS SUBDIVISION
Legal Lot Number	325
Jurisdiction	ALLEN OH
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4004
Census Tract	10600

Owner

Source: Allen County records · APN 44-1210-16-001.000

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	320 E 1ST ST, SPENCERVILLE, OH 45887-1302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 25, 2025 · Amount on Record
Deed Sale	Apr 25, 2025 · Amount on Record
Prior Sale	Nov 29, 2022 · Amount on Record
Deed Document Number	20253589
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Nov 29, 2022
Property Address	320 E 1ST ST, SPENCERVILLE, OH 45887-1302
Document Number	11290013602
Book / Page	2022 / 13602
Map Reference	MB 3 PG 82
Instrument Date	Nov 28, 2022
Instrument	202211290013602
Transaction Type	Transfer
Record Updated	Dec 08, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E 1ST ST, SPENCERVILLE, OH 45887-1302

Mortgage

Document Number	11290013603
Date	Nov 29, 2022
Instrument	202211290013603

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$785.00 (-0.25%)	$23,840 (-) Land $3,330 Building $20,510	$68,100 (-) Land $9,500 Building $58,600
2024	$787.00 (+13.89%) Homeowner's exemption	$23,840 (+22.07%) Land $3,330 Building $20,510	$68,100 (+22.04%) Land $9,500 Building $58,600
2023	$691.00 (-2.81%) Homeowner's exemption	$19,530 (-) Land $2,730 Building $16,800
2022	$711.00	$19,530 Land $2,730 Building $16,800
2021			$55,800 Land $7,800 Building $48,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Allen County (39003C), as of June 20, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390030106004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, 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 as of December 31, 2025 · 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.

Based on FCC filings for 441 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system OH0201312, as of 2026 Q3 · EPA water system boundaries as of 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.