3460 Spencerville Rd, Lima, OH 45805 Property Records

Allen County property record for 3460 Spencerville Rd, Lima, OH 45805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,104 sqft · built 1966
Lot Size	1.8 acres (78,408 sqft)
Owner	2 Individual Names on Record
Last Sale	$178,500 (Jul 2005)
Tax Bill	$4,080 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`46-0401-04-007.000`

Property Details

APN / Parcel Number

Primary APN	`46-0401-04-007.000`
Alternative APN	`L3546040104007000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,104 sqft Living Area
Gross Area	3,834 sqft
1st Floor Area	2,004 sqft
Basement Area	1,180 sqft
Finished Basement	100 sqft
Unfinished Basement	1,080 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	78,408 sqft (1.8 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	210 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3460 SPENCERVILLE RD
City	LIMA
State	OH
Zip	45805-3646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE 1/4 JOINT TEN RTS 06-04-04
Jurisdiction	ALLEN OH
Township / Civil Division	SHAWNEE
Census Block Group	2
Census Block	2003
Census Tract	11800

Owner

Source: Allen County records, as of May 21, 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	3460 SPENCERVILLE RD, LIMA, OH 45805-3646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2005 · Amount on Record
Deed Sale	Jul 8, 2005 · Amount on Record
Prior Sale	Jan 1, 1990
Deed Document Number	200511480
Deed Book / Page	943 / 799
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	3460 SPENCERVILLE RD, LIMA, OH 45805-3646
Document Number	0000008924
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3460 SPENCERVILLE RD LIMA OH 458053646, LIMA, OH 45805-3646

Mortgage

Document Number	0000008924
Date	Aug 4, 2020
Instrument	8924

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	204 Months
Due	Aug 3, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Shawnee Township
Unified School District	Shawnee Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,080.00 (+0.05%)	$83,690 (-) Land $14,140 Building $69,550	$239,100 (-) Land $40,400 Building $198,700
2024	$4,078.00 (+5.81%) Homeowner's exemption	$83,690 (+19.97%) Land $14,140 Building $69,550	$239,100 (+19.97%) Land $40,400 Building $198,700
2023	$3,854.00 (-0.75%) Homeowner's exemption	$69,760 (-) Land $11,800 Building $57,960
2022	$3,883.00 Homeowner's exemption	$69,760 Land $11,800 Building $57,960
2021			$199,300 Land $33,700 Building $165,600

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 June 20, 2024 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	26 (1978–2019)
Claims Outside the SFHA	6 of 26
Most Recent Claim	Apr 2019 · river or lake flooding

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	LIMA CITY serves 65,619 people · EPA ID OH0200811
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2026 Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Dec 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20