1. Home
  2. Ohio
  3. Spencerville
  4. E 4th St

409 E 4th St, Spencerville, OH 45887 Property Records

Allen County property record for 409 E 4th St, Spencerville, OH 45887 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms1 Baths
Year BuiltBuilt 1920
Square Footage1,670 sqft Living Area
Lot Size13,460 sqft (0.309 acres)
OccupancyOwner Occupied
Last Sale$72,000 (2024)
Tax Bill$780.00 (2025)

Property Details

APN / Parcel Number

Primary APN44-1207-10-004.000
Alternative APN
  • E1944120710004000

Interior

Bedrooms3 Beds
Full Baths1 Baths
Total Rooms8 Rooms
Building Area1,670 sqft Living Area
Gross Area2,394 sqft Gross Area
1st Floor1,062 sqft 1st Floor
Upper Floors608 sqft Upper Floors
Stories2 Stories

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleConventional Style
Exterior MaterialWood Exterior
Construction TypeFrame Construction
Foundation TypeNo Foundation Foundation
Lot Area13,460 sqft (0.309 acres)
Depth X Width166 ft x 81 ft Depth x Width
Parking Spaces3 Parking Spaces
Garage TypeAttached Garage
Garage Area724 sqft Garage
Shed1 Shed
Shed Area312 sqft Shed
Porch Area156 sqft Porch

Utilities and HVAC

Cooling SystemNone Cooling
Heating SystemCentral Heating
Heating FuelGas Heating Fuel
SewageStorm Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address409 E 4TH ST
CitySPENCERVILLE
StateOH
Zip45887-1209
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionJ A KEITHS ADDITION LOT 601 JOINT TEN FF 80.50
Legal SubdivisionJ A KEITHS ADDITION
Legal Lot Number601
JurisdictionALLEN OH
Minor Civil DivisionSPENCER
Census Blockgroup3
Census Block3040
Census Tract10600

Owner

Source: Allen County records · APN 44-1207-10-004.000

Assessment roll updated May 21, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address409 E 4TH ST, SPENCERVILLE, OH 45887-1209
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 02, 2026Intrafamily Transfer, Transfer · Line of Credit
HOME SAVINGS AND LOAN CO OF KENTON
Mar 04, 2024Deed, Transfer · Line of Credit
HOME SAVINGS AND LOAN CO OF KENTON
Dec 28, 2022Warranty Deed, Transfer · Line of Credit
THE PEOPLES BANK CO

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 04, 2024 · Amount on Record
Deed SaleMar 04, 2024 · Amount on Record
Prior SaleDec 28, 2022 · Amount on Record
Deed Doc Number20241782
Last Transfer DateFeb 19, 2026
Transfer Doc0000001993
Record RefreshedSep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionALLEN OH
Recording DateMar 02, 2026
Property Address409 E 4TH ST, SPENCERVILLE, OH 45887-1209
Document Number3020001993
Book / Page2026 / 1993
Map ReferenceMB 3 PG 190-192
Instrument DateFeb 19, 2026
Instrument202603020001993
Transaction TypeTransfer
Record UpdatedMar 13, 2026
Title CompanyLAND TITLE AGNCY, LAND TITLE AGENCY

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 E 4TH ST, SPENCERVILLE, OH 45887-1209

Mortgage

Document Number3020001994
DateMar 02, 2026
Instrument202603020001994
Lender
NameHOME SAVINGS AND LOAN CO OF KENTON
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMar 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.75%
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change DateApr 01, 2031
Change FrequencyAnnually
Min Rate At Change4.75%
Max Rate At Change8.75%
Index1-Year CMT
Margin3
Max Rate12.7%

March 2024: Deed, Transfer

Document TypeDeed
JurisdictionALLEN OH
Recording DateMar 04, 2024
Property Address409 E 4TH ST, SPENCERVILLE, OH 45887-1209
Document Number3040001782
Book / Page2024 / 1782
Map ReferenceMB 3 PG 190
Instrument DateFeb 29, 2024
Instrument202403040001782
Transaction TypeTransfer
Record UpdatedMay 14, 2024

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address409 E 4TH ST, SPENCERVILLE, OH 45887-1209

Mortgage

Document Number3040001783
DateMar 04, 2024
Instrument202403040001783
Lender
NameHOME SAVINGS AND LOAN CO OF KENTON
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMar 01, 2054

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionALLEN OH
Recording DateDec 28, 2022
Property Address409 E 4TH ST, SPENCERVILLE, OH 45887-1209
Document Number12280014628
Book / Page2022 / 14628
Map ReferenceMB 5 PG 27
Instrument DateDec 20, 2022
Instrument202212280014628
Transaction TypeTransfer
Record UpdatedJan 06, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7351 STAEGER RD, CELINA, OH 45822-9371
InvestorPossibly a Property Investor

Mortgage

Document Number12280014629
DateDec 28, 2022
Instrument202212280014629
Lender
NameTHE PEOPLES BANK CO
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueDec 20, 2042
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Allen County records · Assessment roll updated May 21, 2026 · Last verified June 2026

Property Jurisdictions

TypeName
StateOhio
CountyAllen County
County SubdivisionSpencer Township
MunicipalitySpencerville Village
Unified School DistrictSpencerville Local School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$780.00 (-2.74%)$23,660 (-) Land $6,370 Building $17,290$67,600 (-) Land $18,200 Building $49,400
2024$802.00 (+13.92%)$23,660 (+21.96%) Land $6,370 Building $17,290$67,600 (+22.02%) Land $18,200 Building $49,400
2023$704.00 (-0.28%)$19,400 (-) Land $5,220 Building $14,180
2022$706.00$19,400 Land $5,220 Building $14,180
2021$55,400 Land $14,900 Building $40,500

Flood & Wildfire

409 E 4th St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Allen County (39003C), updated June 20, 2024

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

Nearby Properties on E 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures