39660 Smith Rd, Spencer, OH 44275 Property Records

Lorain County property record for 39660 Smith Rd, Spencer, OH 44275

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,752 sqft · built 1980
Lot Size	5.07 acres (220,849 sqft)
Owner	2 Owner Names on File
Last Sale	$165,000 (Jun 2012)
Tax Bill	$6,310 (2025)
Deeds & Mortgages	Oct 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-01-063-000-027`

Property Details

APN / Parcel Number

Primary APN	`19-01-063-000-027`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,752 sqft Living Area
1st Floor Area	1,492 sqft
2nd Floor Area	912 sqft
Upper Floors Area	912 sqft
Attic Area	169 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	220,849 sqft (5.07 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	876 sqft
Canopy	384 sqft
Lean-To	588 sqft
Pole Barn	2,240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	39660 SMITH RD
City	SPENCER
State	OH
Zip	44275-9600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.073 AC
Legal Subdivision	PENFIELD 01
Legal Tract	1
Legal Lot Number	63
Jurisdiction	LORAIN OH
Township / Civil Division	PENFIELD
Census Block Group	2
Census Block	2081
Census Tract	94101

Owner

The current owner of 39660 Smith Rd bought it in June 2012.

Source: Lorain County records, as of March 20, 2026

Owner of Record	2 Owner Names on File
Mailing Address	39660 SMITH RD, SPENCER, OH 44275-9600
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2012 · Amount on File
Deed Sale	Jun 13, 2012 · Amount on File
Prior Sale	Aug 10, 2011 · Amount on File
Deed Document Number	2012002269
Record Updated	Jun 8, 2026

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LORAIN OH
Property Address	39660 SMITH RD, SPENCER, OH 44275-9600
Document Number	0000634769
Instrument Date	Oct 5, 2016
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39660 SMITH RD SPENCER OH 442759600, SPENCER, OH 44275-9600

Mortgage

Document Number	0000634769
Date	Jun 28, 2017
Instrument	634769

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 39660 Smith Rd was $6,310.

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Penfield Township
Unified School District	Keystone Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,310.00	$151,440 (%) Land $30,590 Building $120,850	$432,690 (-) Land $87,400 Building $345,290
2024	$6,310.00 (+25.62%)	$151,442 (+53.15%) Land $30,590 Building $120,852	$432,690 (+53.15%) Land $87,400 Building $345,290
2023	$5,023.00 (+0.7%)	$98,882 (-0.01%) Land $24,297 Building $74,585	$282,520 Land $69,420 Building $213,100
2022	$4,988.00	$98,890 Land $24,300 Building $74,590
2021			$282,520 Land $69,420 Building $213,100

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

Flood

FEMA maps place 39660 Smith Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	May 2021 · 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

Wildfire risk around 39660 Smith Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	1,000 / 1,000
Armstrong Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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