Medina County property record for 408 W Main St, Spencer, OH 44275
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1947 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $128,000 (Jul 2018) |
| Tax Bill | $2,438 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-27A-03-007 |
| Primary APN | 037-27A-03-007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 5 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 2,184 sqft |
| Basement Area | 1,092 sqft |
| Finished Basement | 775 sqft |
| Unfinished Basement | 317 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Ranch |
| Exterior Material | Siding |
| Construction Type | Wood |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 260 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 55 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 408 W MAIN ST |
|---|---|
| City | SPENCER |
| State | OH |
| Zip | 44275-9534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 13, LOT 6, S E PT .400A |
| Legal Tract | 13 |
| Legal Lot Number | 6 |
| Jurisdiction | MEDINA OH |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 410000 |
408 W Main St is owned and occupied by an individual who bought it in July 2018.
Source: Medina County records, as of April 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 408 W MAIN ST, SPENCER, OH 44275-9534 |
| 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.
| Date | Document |
|---|---|
| Jan 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 20, 2018 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 20, 2018 · Amount on File |
| Deed Sale | Jul 20, 2018 · Amount on File |
| Prior Sale | Apr 30, 2010 · Amount on File |
| Deed Document Number | 201815470 |
| Prior Transfer Date | May 22, 2007 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEDINA OH |
| Property Address | 408 W MAIN ST, SPENCER, OH 44275-9534 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 408 W MAIN ST, SPENCER, OH 44275-9534 |
| Document Number | 0000001278 |
|---|---|
| Date | Jan 30, 2023 |
| Instrument | 2023OR001278 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DENVER, CO 80249 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 335 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEDINA OH |
| Property Address | 408 W MAIN ST, SPENCER, OH 44275-9534 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000029675 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 2020OR029675 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MEDINA OH |
| Recording Date | Jul 20, 2018 |
| Property Address | 408 W MAIN ST, SPENCER, OH 44275-9534 |
| Document Number | 0000015470 |
| Instrument Date | Jul 20, 2018 |
| Instrument | 2018OR015470 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 408 MAIN ST, SPENCER, OH 44275 |
| Document Number | 0000015471 |
|---|---|
| Date | Jul 20, 2018 |
| Instrument | 2018OR015471 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 408 W Main St was $2,438, up 12% from the year before.
Source: Medina County assessment roll, as of April 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Medina County |
| Municipality | Spencer Village |
| Unified School District | Black River Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,438.00 (+11.99%) | $55,170 (+21.68%) Land $11,370 Building $43,800 | $157,620 Land $32,490 Building $125,130 |
| 2024 | $2,177.00 (+4.61%) | $45,340 (-) Land $15,430 Building $29,910 | |
| 2023 | $2,081.00 (-2.16%) | $45,340 (-) Land $15,430 Building $29,910 | |
| 2022 | $2,127.00 | $45,340 Land $15,430 Building $29,910 | $129,540 Land $44,080 Building $85,460 |
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.
FEMA maps place 408 W Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 5, 2021
| 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 risk around 408 W Main St 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 96% of the US · lower than 81% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGE OF SPENCER serves 800 people · EPA ID OH5201611 |
|---|---|
| Water Source | Purchased surface water from RURAL LORAIN CO. WATER A |
| Last State Inspection | Dec 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Omni Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures