Medina County property record for 416 W Main St, Spencer, OH 44275
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,828 sqft · built 1918 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (Mar 2026) |
| Tax Bill | $2,329 (2025) |
| Deeds & Mortgages | Mar 2026 Sale Jan 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-27A-03-003 |
| Primary APN | 037-27A-03-003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 10 Half Baths |
| Plumbing Fixtures | 1 Plumbing Fixture |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,828 sqft Total Area |
| 1st Floor Area | 2,128 sqft |
| Upper Floors Area | 736 sqft |
| Attic | Attic |
| Attic Area | 28 sqft |
| Basement Area | 80 sqft |
| Unfinished Basement | 80 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Duplex Single |
| Exterior Material | Siding |
| Construction Type | Wood |
| Lot Area | 22,216 sqft (0.51 acres) |
| Lot Dimensions | 260 ft deep x 77 ft wide |
| Garage Type | Carport |
| Garage Area | 340 sqft |
| Carport | Carport |
| Carport Area | 340 sqft |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Slab |
| Porch Area | 182 sqft |
| Deck Area | 64 sqft |
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 416 W MAIN ST |
|---|---|
| City | SPENCER |
| State | OH |
| Zip | 44275-9534 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | TR 13 LOT 6 S MID PT .510A |
| Legal Subdivision | SPENCER SEC 13 |
| Legal Tract | 13 |
| Legal Lot Number | 6 |
| Jurisdiction | MEDINA OH |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 410000 |
416 W Main St, a duplex, is owned and occupied by two individuals who bought it in March 2026.
Source: Medina County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 416 W MAIN ST, SPENCER, OH 44275-9534 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 19, 2026 | Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE |
| Jan 15, 2026 | Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE |
| May 29, 2019 | Warranty Deed, Transfer · FHA Mortgage LIBERTY HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2026 · Amount on File |
| Deed Sale | Mar 19, 2026 · Amount on File |
| Prior Sale | Jan 15, 2026 · Amount on File |
| Deed Document Number | 20264672 |
| Prior Transfer Date | Feb 2, 1999 |
| Prior Transfer Doc | 0000011587 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MEDINA OH |
| Recording Date | Mar 19, 2026 |
| Property Address | 416 W MAIN ST, SPENCER, OH 44275-9534 |
| Document Number | 0000004672 |
| Instrument Date | Mar 5, 2026 |
| Instrument | 2026OR004672 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 416 W MAIN ST, SPENCER, OH 44275-9534 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MEDINA OH |
| Recording Date | Jan 15, 2026 |
| Property Address | 416 W MAIN ST, SPENCER, OH 44275-9534 |
| Document Number | 0000000798 |
| Instrument Date | Jan 2, 2026 |
| Instrument | 2026OR000798 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 36W995 RED GATE RD, SAINT CHARLES, IL 60175-6223 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MEDINA OH |
| Recording Date | May 29, 2019 |
| Property Address | 416 W MAIN ST, SPENCER, OH 44275-9534 |
| Document Number | 0000009901 |
| Instrument Date | May 21, 2019 |
| Instrument | 2019OR009901 |
| 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 |
|---|
| Name | Verified Name |
|---|---|
| Address | 416 W MAIN ST, SPENCER, OH 44275-9534 |
| Document Number | 0000009902 |
|---|---|
| Date | May 29, 2019 |
| Instrument | 2019OR009902 |
| Name | LIBERTY HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
The 2025 property tax bill for 416 W Main St was $2,329, up 6.2% 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 | $2,329.00 (+6.15%) | $52,230 (+15.04%) Land $14,600 Building $37,630 | $149,210 Land $41,700 Building $107,510 |
| 2024 | $2,194.00 (+4.53%) | $45,400 (-) Land $20,280 Building $25,120 | |
| 2023 | $2,099.00 (-2.1%) | $45,400 (-) Land $20,280 Building $25,120 | |
| 2022 | $2,144.00 | $45,400 Land $20,280 Building $25,120 | $129,700 Land $57,940 Building $71,760 |
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 416 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 416 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 |
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