Medina County property record for 326 W Main St, Spencer, OH 44275
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,132 sqft · built 1900 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Nov 2023) |
| Tax Bill | $2,198 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Apr 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-27A-03-011 |
| Primary APN | 037-27A-03-011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,132 sqft Living Area |
| 1st Floor Area | 1,264 sqft |
| Upper Floors Area | 500 sqft |
| Basement Area | 500 sqft |
| Unfinished Basement | 500 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 243 ft deep x 40 ft wide |
| Porch | Porch |
| Porch Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 326 W MAIN ST |
|---|---|
| City | SPENCER |
| State | OH |
| Zip | 44275-9501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 13 LOT 6 S PT .250A |
| Legal Tract | 13 |
| Legal Lot Number | 6 |
| Jurisdiction | MEDINA OH |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 410000 |
Source: Medina County records, as of April 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 326 W MAIN ST, SPENCER, OH 44275-9501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 13, 2020 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jan 8, 2021 | Warranty Deed, Transfer · Stand-Alone Second Mortgage OHIO HOUSING FINANCE AGENCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2023 · Amount on Record |
| Deed Sale | Nov 20, 2023 · Amount on Record |
| Prior Sale | Jan 8, 2021 · Amount on Record |
| Deed Document Number | 202318040 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MEDINA OH |
| Recording Date | Nov 20, 2023 |
| Property Address | 326 W MAIN ST, SPENCER, OH 44275-9501 |
| Document Number | 0000018040 |
| Instrument Date | Nov 14, 2023 |
| Instrument | 2023OR018040 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 326 W MAIN ST, SPENCER, OH 44275-9501 |
| Document Number | 0000018156 |
|---|---|
| Date | Nov 20, 2023 |
| Instrument | 2023OR018156 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEDINA OH |
| Property Address | 326 W MAIN ST, SPENCER, OH 44275-9501 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000007825 |
|---|---|
| Date | Apr 13, 2020 |
| Instrument | 2020OR007825 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 28, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MEDINA OH |
| Recording Date | Jan 8, 2021 |
| Property Address | 326 W MAIN ST, SPENCER, OH 44275-9501 |
| Document Number | 0000000642 |
| Instrument Date | Jan 6, 2021 |
| Instrument | 2021OR000642 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 326 W MAIN ST, SPENCER, OH 44275-9501 |
| Document Number | 0000000644 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 2021OR000644 |
| Name | OHIO HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0000000643 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 2021OR000643 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15238 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: Medina County assessment roll, as of April 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Medina County |
| Municipality | Spencer Village |
| Unified School District | Black River Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,198.00 (+27.94%) | $49,700 (+39.02%) Land $7,510 Building $42,190 | $142,010 (+39.03%) Land $21,470 Building $120,540 |
| 2024 | $1,718.00 (+5.79%) | $35,750 (+1.13%) Land $10,440 Building $25,310 | |
| 2023 | $1,624.00 (-2.11%) | $35,350 (-) Land $10,440 Building $24,910 | |
| 2022 | $1,659.00 | $35,350 Land $10,440 Building $24,910 | $102,140 Land $29,830 Building $72,310 |
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.
Source: FEMA National Flood Hazard Layer, effective January 5, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 145 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 |
| Omni Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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