40 Spencer St, Delaware, OH 43015 Property Records

Delaware County property record for 40 Spencer St, Delaware, OH 43015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,346 sqft · built 1951
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Dec 2023)
Tax Bill	$3,932 (2025)
Deeds & Mortgages	Dec 2023 Sale & Line of Credit Jan 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`519-423-06-010-000`

Property Details

APN / Parcel Number

Primary APN	`519-423-06-010-000`
Alternative APN	`146272.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,346 sqft Living Area
Gross Area	1,913 sqft
1st Floor Area	990 sqft
Attic	Attic
Attic Area	356 sqft
Basement Area	495 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	15,002 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	40 SPENCER ST
City	DELAWARE
State	OH
Zip	43015-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 2505,2506
Legal Subdivision	WEDGEWOOD SEC 02
Legal Lot Number	2505,
Jurisdiction	DELAWARE OH
Township / Civil Division	DELAWARE CITY
Census Block Group	1
Census Block	1013
Census Tract	10100

Owner

Source: Delaware County records, as of May 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	585 SOUTH BLVD E, PONTIAC, MI 48341-3163
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2023	Survivorship Deed, Transfer · Line of Credit UNITED WHOLESALE MORTGAGE
Jan 19, 2023	Transfer on Death Deed, Transfer
Jun 26, 2022	Affidavit of Death of Joint Tenant, Transfer
Jun 15, 2017	Deed of Trust, Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2023 · Amount on Record
Deed Sale	Dec 26, 2023 · Amount on Record
Prior Sale	Jan 9, 2006 · Amount on Record
Deed Document Number	202327499
Deed Book / Page	2069 / 899
Prior Transfer Date	Jan 13, 2023
Prior Transfer Doc	0000001113
Record Updated	Oct 29, 2026

December 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	DELAWARE OH
Recording Date	Dec 26, 2023
Property Address	40 SPENCER ST, DELAWARE, OH 43015-1237
Document Number	0000027499
Book / Page	2069 / 889
Map Reference	MB 2 PG 46
Instrument Date	Dec 7, 2023
Instrument	202300027499
Transaction Type	Transfer
Record Updated	Jan 8, 2024
Title Company	FIRST OHIO TITLE INS BOX

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	UWM 585 SOUTH BLVD E, PONTIAC, MI 48341-3163

Mortgage

Document Number	0000027500
Date	Dec 26, 2023
Book Page	2069/901
Instrument	202300027500

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

January 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	DELAWARE OH
Recording Date	Jan 19, 2023
Property Address	40 SPENCER ST, DELAWARE, OH 43015-1237
Document Number	0000001113
Book / Page	2012 / 2550
Instrument Date	Jan 14, 2023
Instrument	202300001113
Transaction Type	Transfer
Record Updated	Feb 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	DELAWARE OH
Recording Date	Jun 26, 2022
Property Address	40 SPENCER ST, DELAWARE, OH 43015-1237
Document Number	0000019364
Book / Page	1974 / 2888
Instrument Date	Jun 16, 2022
Instrument	202200019364
Transaction Type	Transfer
Record Updated	Jul 6, 2022

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

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	40 SPENCER ST, DELAWARE, OH 43015-1237
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016623
Date	Jun 15, 2017
Book Page	1508/1795
Instrument	201700016623

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	359 Months
Due	May 25, 2047

Tax Assessment & Valuation

Source: Delaware County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Delaware County
Municipality	Delaware City
Unified School District	Delaware City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,932.00 (+5.36%)	$79,000 (-) Land $26,740 Building $52,260	$225,700 (-) Land $76,400 Building $149,300
2024	$3,732.00 (-0.19%) Homeowner's exemption	$79,000 (-) Land $26,740 Building $52,260	$225,700 (-) Land $76,400 Building $149,300
2023	$3,739.00 (+18.17%) Homeowner's exemption	$79,000 (+36.21%) Land $26,740 Building $52,260	$225,700 (+36.21%) Land $76,400 Building $149,300
2022	$3,164.00 Homeowner's exemption	$58,000 Land $18,130 Building $39,870
2020			$165,700 Land $51,800 Building $113,900

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 3, 2026

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.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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	DELAWARE CITY PWS serves 43,895 people · EPA ID OH2100311
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 503 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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