411 E 1st St, Spencerville, OH 45887 Property Records

Allen County property record for 411 E 1st St, Spencerville, OH 45887

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,176 sqft · built 1962
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$99,000 (Jul 2020)
Tax Bill	$1,387 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-1210-12-008.000`

Property Details

APN / Parcel Number

Primary APN	`44-1210-12-008.000`
Alternative APN	`E1944121012008000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Family Room	Family Room

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,801 sqft (0.225 acres)
Lot Dimensions	158 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	333 sqft
Patio Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	411 E 1ST ST
City	SPENCERVILLE
State	OH
Zip	45887-1303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELIZABETH MEIHLS SUBDIVISION LOT 323 E END JOINT TEN FF 62.00
Legal Subdivision	ELIZABETH MEIHLS SUBDIVISION
Legal Lot Number	323
Jurisdiction	ALLEN OH
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4006
Census Tract	10600

Owner

Source: Allen County records, as of May 21, 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	411 E 1ST ST, SPENCERVILLE, OH 45887-1303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2020 · Amount on Record
Deed Sale	Jul 6, 2020 · Amount on Record
Prior Sale	Sep 17, 2014 · Amount on Record
Deed Document Number	20207362
Deed Book / Page	2020 / 7362
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Jul 6, 2020
Property Address	411 E 1ST ST, SPENCERVILLE, OH 45887-1303
Document Number	0000007362
Instrument Date	Jun 30, 2020
Instrument	7362
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	411 E 1ST ST SPENCERVILLE OH 458871303, SPENCERVILLE, OH 45887-1303

Mortgage

Document Number	7363
Date	Jul 6, 2020
Instrument	7363

Lender

Name	AMERIFIRST FIN'L CORP
Address	PORTAGE, MI 49002

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2050

Tax Assessment & Valuation

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Spencer Township
Municipality	Spencerville Village
Unified School District	Spencerville Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,387.00 (-0.29%)	$42,250 (-) Land $5,990 Building $36,260	$120,700 (-) Land $17,100 Building $103,600
2024	$1,391.00 (+14.11%) Homeowner's exemption	$42,250 (+22.04%) Land $5,990 Building $36,260	$120,700 (+22.04%) Land $17,100 Building $103,600
2023	$1,219.00 (-0.25%) Homeowner's exemption	$34,620 (-) Land $4,900 Building $29,720
2022	$1,222.00 Homeowner's exemption	$34,620 Land $4,900 Building $29,720
2021			$98,900 Land $14,000 Building $84,900

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 20, 2024 · 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	1 in force

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 85% 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	SPENCERVILLE VILLAGE serves 2,261 people · EPA ID OH0201312
Water Source	Groundwater
Last State Inspection	Jan 2025
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	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 441 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
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: MetaLINK Technologies.

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