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

Allen County property record for 416 E 1st St, Spencerville, OH 45887

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1950
Lot Size	0.332 acres (14,462 sqft)
Owner	Individual Name on Record
Last Sale	$35,000 (Sep 1998)
Tax Bill	$508 (2025)
Deeds & Mortgages	Jul 2024 Line of Credit May 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`44-1210-15-001.000`

Property Details

APN / Parcel Number

Primary APN	`44-1210-15-001.000`
Alternative APN	`E1944121015001000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
Gross Area	1,832 sqft
1st Floor Area	840 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	14,462 sqft (0.332 acres)
Lot Dimensions	148 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	344 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	416 E 1ST ST
City	SPENCERVILLE
State	OH
Zip	45887-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKLAND ADDITION LOT 626 PT & 627 PT 628 & PT 629 & PT VAC ALLEY & ST FF 97.00
Legal Subdivision	OAKLAND ADDITION
Legal Lot Number	626
Jurisdiction	ALLEN OH
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4004
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	Individual Name on Record
Mailing Address	416 E 1ST ST, SPENCERVILLE, OH 45887-1304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2024	Deed of Trust, Mortgage · Line of Credit SUPERIOR CU
May 23, 2022	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 1998 · Amount on Record
Deed Sale	Sep 30, 1998 · Amount on Record
Prior Sale	Jun 2, 1998 · Amount on Record
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	416 E 1ST ST, SPENCERVILLE, OH 45887-1304
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7080006039
Date	Jul 8, 2024
Book Page	2024/6039
Instrument	202407080006039

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	4230 ELIDA RD, LIMA, OH 45807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	83 Months
Due	Jun 18, 2031

May 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ALLEN OH
Recording Date	May 23, 2022
Property Address	416 E 1ST ST, SPENCERVILLE, OH 45887-1304
Document Number	5230006100
Book / Page	2022 / 6100
Map Reference	MB 2 PG 412
Instrument Date	Feb 25, 2022
Instrument	202205230006100
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	416 E 1ST ST, SPENCERVILLE, OH 45887-1304

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	$508.00 (-6.96%)	$25,450 (-) Land $6,440 Building $19,010	$72,700 (-) Land $18,400 Building $54,300
2024	$546.00 (+48.37%) Homeowner's exemption	$25,450 (+30.98%) Land $6,440 Building $19,010	$72,700 (+30.99%) Land $18,400 Building $54,300
2023	$368.00 (-3.66%) Homeowner's exemption	$19,430 (-) Land $3,850 Building $15,580
2022	$382.00 Homeowner's exemption	$19,430 Land $3,850 Building $15,580
2021			$55,500 Land $11,000 Building $44,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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