Lorain County property record for 40304 Smith Rd, Spencer, OH 44275
| Property Type | Farm - Irrigated or Dry |
|---|---|
| Details | 3 bd · 1 ba · 1,710 sqft · built 1900 |
| Lot Size | 23.8 acres (1,036,728 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,349 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-01-025-000-007 |
| Primary APN | 19-01-025-000-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,710 sqft Gross Area |
| 1st Floor Area | 852 sqft |
| Upper Floors Area | 682 sqft |
| Basement Area | 852 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 1,036,728 sqft (23.8 acres) |
| Lot Width | 6 ft Width |
| Garage Type | Detached |
| Garage Area | 1,232 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Enclosed Frame Porch |
|---|---|
| Porch Area | 536 sqft |
| Milk House | 168 sqft |
| Pole Barn | 504 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Street Address | 40304 SMITH RD |
|---|---|
| City | SPENCER |
| State | OH |
| Zip | 44275-9603 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Farm - Irrigated or Dry |
| Legal Description | 46-19-019G -076-00 |
| Legal Tract | 01 |
| Jurisdiction | LORAIN OH |
| Township / Civil Division | PENFIELD |
| Census Block Group | 2 |
| Census Block | 2082 |
| Census Tract | 94101 |
Source: Lorain County records, as of April 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 40446 SMITH RD, SPENCER, OH 44275-9604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Lorain County assessment roll, as of May 16, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lorain County |
| County Subdivision | Penfield Township |
| Unified School District | Keystone Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,349.00 (+0.16%) Homeowner's exemption | $140,780 (+%) Land $68,050 Building $72,730 | $402,210 (-) Land $194,420 Building $207,790 |
| 2024 | $4,342.00 (+53.92%) | $140,774 (+61.97%) Land $68,047 Building $72,727 | $402,210 (+61.97%) Land $194,420 Building $207,790 |
| 2023 | $2,821.00 (-0.98%) | $86,912 (-0.01%) Land $50,855 Building $36,057 | $248,320 (-) Land $145,300 Building $103,020 |
| 2022 | $2,849.00 Additional exemption filed | $86,920 Land $50,860 Building $36,060 | |
| 2021 | $248,320 Land $145,300 Building $103,020 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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.
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 | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 8 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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