322 N Main St, Spencer, OH 44275 Property Records

Medina County property record for 322 N Main St, Spencer, OH 44275

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1973
Lot Size	0.342 acres (14,898 sqft)
Owner	Individual Name on Record
Tax Bill	$1,904 (2025)
Deeds & Mortgages	Mar 2026 Transfer Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`037-27A-01-025`

Property Details

APN / Parcel Number

Primary APN	`037-27A-01-025`
Alternative APNs	`37-27A-01-025` `00001337000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	5 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	2,080 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Siding
Construction Type	Wood
Lot Area	14,898 sqft (0.342 acres)
Lot Dimensions	183 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	336 sqft
Patio Area	336 sqft
Canopy	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	322 N MAIN ST
City	SPENCER
State	OH
Zip	44275-9760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 134 WH MYERS SUB 1 .000A
Legal Subdivision	WH MYERS SUB
Legal Lot Number	134
Jurisdiction	MEDINA OH
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1013
Census Tract	410000

Owner

Source: Medina County records, as of April 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	322 N MAIN ST, SPENCER, OH 44275-9760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Transfer on Death Deed, Transfer
Jun 17, 2019	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

March 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MEDINA OH
Recording Date	Mar 17, 2026
Property Address	322 N MAIN ST, SPENCER, OH 44275-9760
Document Number	0000004511
Map Reference	VOL 17 PG 100
Instrument Date	Oct 30, 2024
Instrument	2026OR004511
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 MAIN N ST, SPENCER, OH 44275-9760

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEDINA OH
Property Address	322 N MAIN ST, SPENCER, OH 44275-9760
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011304
Date	Jun 17, 2019
Instrument	2019OR011304

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 29, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Medina County assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Medina County
Municipality	Spencer Village
Unified School District	Black River Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,904.00 (-8.9%) Homeowner's exemption	$63,390 (+18.89%) Land $12,570 Building $50,820	$181,100 (+18.89%) Land $35,910 Building $145,190
2024	$2,090.00 (+3.11%) Homeowner's exemption	$53,320 (-) Land $17,470 Building $35,850
2023	$2,027.00 (-3.01%) Homeowner's exemption	$53,320 (-) Land $17,470 Building $35,850
2022	$2,090.00 Homeowner's exemption	$53,320 Land $17,470 Building $35,850	$152,320 Land $49,900 Building $102,420

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 5, 2021 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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 96% of the US · lower than 81% 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	VILLAGE OF SPENCER serves 800 people · EPA ID OH5201611
Water Source	Purchased surface water from RURAL LORAIN CO. WATER A
Last State Inspection	Dec 2024
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	2 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Armstrong.

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