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

Allen County property record for 414 E 4th St, Spencerville, OH 45887

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,279 sqft · built 1958
Lot Size	0.193 acres (8,407 sqft)
Owner	Individual Name on Record
Last Sale	$67,000 (May 2022)
Tax Bill	$903 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`44-1210-01-001.000`

Property Details

APN / Parcel Number

Primary APN	`44-1210-01-001.000`
Alternative APN	`E1944121001001000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,279 sqft Living Area
Gross Area	1,873 sqft
1st Floor Area	876 sqft
Upper Floors Area	403 sqft
Basement Area	504 sqft
Family Room	Family Room

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,407 sqft (0.193 acres)
Lot Dimensions	150 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	162 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	414 E 4TH ST
City	SPENCERVILLE
State	OH
Zip	45887-1210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A F WM MEYERS ADDITION OL 19 NE COR FF 56.00
Legal Subdivision	A F WM MEYERS ADDITION
Legal Lot Number	19
Jurisdiction	ALLEN OH
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4004
Census Tract	10600

Owner

Source: Allen County records, as of June 3, 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	414 E 4TH ST, SPENCERVILLE, OH 45887-1210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST FED SAVINGS & LOAN ASSN OF LO
Nov 13, 2019	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2022 · Amount on Record
Deed Sale	May 31, 2022 · Amount on Record
Prior Sale	Aug 15, 2016 · Amount on Record
Deed Document Number	20226467
Prior Transfer Date	Jul 19, 2005
Prior Transfer Doc	0000012490
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	May 31, 2022
Property Address	414 E 4TH ST, SPENCERVILLE, OH 45887-1210
Document Number	5310006467
Book / Page	2022 / 6467
Map Reference	MB 2 PG 176-177
Instrument Date	May 23, 2022
Instrument	202205310006467
Transaction Type	Transfer
Record Updated	Jun 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 E 4TH ST, SPENCERVILLE, OH 45887-1210

Mortgage

Document Number	5310006468
Date	May 31, 2022
Instrument	202205310006468

Lender

Name	FIRST FED SAVINGS & LOAN ASSN OF LO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	414 E 4TH ST, SPENCERVILLE, OH 45887-1210
Document Number	0000012946
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 E 4TH ST SPENCERVILLE OH 458871210, SPENCERVILLE, OH 45887-1210

Mortgage

Document Number	0000012946
Date	Dec 5, 2019
Instrument	12946

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2049

Interest

Rate Type	Adjustable Rate

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	$903.00 (-0.33%)	$27,450 (-) Land $4,800 Building $22,650	$78,400 (-) Land $13,700 Building $64,700
2024	$906.00 (+14.11%) Homeowner's exemption	$27,450 (+22.16%) Land $4,800 Building $22,650	$78,400 (+22.12%) Land $13,700 Building $64,700
2023	$794.00 (-2.82%) Homeowner's exemption	$22,470 (-) Land $3,920 Building $18,550
2022	$817.00	$22,470 Land $3,920 Building $18,550
2021			$64,200 Land $11,200 Building $53,000

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 99.1% of the US · lower than 96% 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.

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