332 N Main St, Spencer, OH 44275 Property Records

Medina County property record for 332 N Main St, Spencer, OH 44275

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,504 sqft · built 1956
Lot Size	0.98 acres (42,689 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Jul 2020)
Tax Bill	$2,839 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`037-27A-01-027`

Property Details

APN / Parcel Number

Primary APN	`037-27A-01-027`
Alternative APNs	`37-27A-01-027` `00001627100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,504 sqft Living Area
1st Floor Area	3,008 sqft
Basement Area	1,504 sqft
Unfinished Basement	1,504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Brick
Construction Type	Wood
Lot Area	42,689 sqft (0.98 acres)
Lot Dimensions	213 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	1,340 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	22 sqft
Shed	1 Shed
Shed Area	128 sqft
Canopy	152 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	332 N MAIN ST
City	SPENCER
State	OH
Zip	44275-9760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 13 OL 3 LOT 4 W MID PT .980A
Legal Tract	13
Legal Lot Number	4
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	2 Individual Names on Record
Mailing Address	332 N MAIN ST, SPENCER, OH 44275-9760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Jul 16, 2020	Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2020 · Amount on Record
Deed Sale	Jul 16, 2020 · Amount on Record
Prior Sale	Nov 23, 1999 · Amount on Record
Deed Document Number	202016601
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEDINA OH
Property Address	332 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	0000000447
Date	Jan 9, 2019
Instrument	2019OR000447

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEDINA OH
Recording Date	Jul 16, 2020
Property Address	332 N MAIN ST, SPENCER, OH 44275-9760
Document Number	0000016601
Instrument Date	Jul 14, 2020
Instrument	2020OR016601
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	BARRISTERS OF OHIO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Right of Survivorship
Address	332 N MAIN ST, SPENCER, OH 44275-9760

Mortgage

Document Number	0000016602
Date	Jul 16, 2020
Instrument	2020OR016602

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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	$2,839.00 (+4.26%)	$64,250 (+13.32%) Land $14,900 Building $49,350	$183,560 (+13.31%) Land $42,560 Building $141,000
2024	$2,723.00 (+4.61%)	$56,700 (-) Land $20,700 Building $36,000
2023	$2,603.00 (-2.11%)	$56,700 (-) Land $20,700 Building $36,000
2022	$2,659.00	$56,700 Land $20,700 Building $36,000	$162,000 Land $59,140 Building $102,860

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

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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