40446 Smith Rd, Spencer, OH 44275 Property Records

Lorain County property record for 40446 Smith Rd, Spencer, OH 44275

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,388 sqft · built 1900
Lot Size	5.72 acres (249,163 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jun 2018)
Tax Bill	$4,225 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-01-025-000-014`

Property Details

APN / Parcel Number

Primary APN	`19-01-025-000-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,388 sqft Living Area
Gross Area	1,570 sqft
1st Floor Area	1,014 sqft
Upper Floors Area	374 sqft
Basement Area	1,014 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	249,163 sqft (5.72 acres)
Garage Type	Detached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	600 sqft
Pole Barn	1,600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	40446 SMITH RD
City	SPENCER
State	OH
Zip	44275-9604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20030963455
Legal Subdivision	PENFIELD 01
Legal Tract	01
Legal Lot Number	25
Jurisdiction	LORAIN OH
Township / Civil Division	PENFIELD
Census Block Group	2
Census Block	2082
Census Tract	94101

Owner

40446 Smith Rd is owned and occupied by an individual who bought it in June 2018.

Source: Lorain County records, as of May 16, 2025

Owner of Record	Individual Name on File
Mailing Address	40446 SMITH RD, SPENCER, OH 44275-9604
Occupancy	Owner Occupied
Owner Type	Individual

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	Name on Deed
Last Sale	Jun 6, 2018 · Amount on File
Deed Sale	Jun 6, 2018 · Amount on File
Prior Sale	Nov 5, 2003 · Amount on File
Deed Document Number	2018675071
Prior Transfer Date	May 31, 2018
Prior Transfer Doc	0000675071
Record Updated	Oct 29, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LORAIN OH
Recording Date	Jun 6, 2018
Property Address	40446 SMITH RD, SPENCER, OH 44275-9604
Document Number	0000675071
Instrument Date	May 31, 2018
Instrument	675071
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	HBI TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1500 SOLANA BLVD #1 ROANOKE TX 762621720, 1, ROANOKE, TX 76262-1720

Mortgage

Document Number	675072
Date	Jun 6, 2018
Instrument	675072

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 40446 Smith Rd was $4,225 with a homeowner's exemption, down 0.1% from the year before.

Source: Lorain County assessment roll, as of May 16, 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	$4,225.00 (-0.09%) Homeowner's exemption	$100,930 (+0.01%) Land $31,680 Building $69,250	$288,350 (-) Land $90,500 Building $197,850
2024	$4,229.00 (+41.25%)	$100,923 (+72.54%) Land $31,675 Building $69,248	$288,350 (+72.54%) Land $90,500 Building $197,850
2023	$2,994.00 (+0.74%)	$58,493 (-0.01%) Land $27,185 Building $31,308	$167,120 Land $77,670 Building $89,450
2022	$2,972.00	$58,500 Land $27,190 Building $31,310
2021			$167,120 Land $77,670 Building $89,450

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

FEMA maps place 40446 Smith Rd in Zone X, an area of minimal flood risk, within 100 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 100 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 40446 Smith Rd is low, with less than 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 93% of the US · lower than 68% of Ohio
Wildfire Likelihood	Under 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.

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 10 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

Cell Coverage

5G (outdoors only) and 4G LTE

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