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

Allen County property record for 419 E 4th St, Spencerville, OH 45887

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,385 sqft · built 1920
Lot Size	0.284 acres (12,371 sqft)
Owner	Individual Name on File
Last Sale	$92,700 (Nov 2024)
Tax Bill	$1,223 (2025)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-1208-04-013.000`

Property Details

APN / Parcel Number

Primary APN	`44-1208-04-013.000`
Alternative APN	`E1944120804013000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,385 sqft Living Area
Gross Area	3,705 sqft
1st Floor Area	1,329 sqft
Upper Floors Area	1,056 sqft
Basement Area	1,320 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	12,371 sqft (0.284 acres)
Lot Dimensions	177 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch 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	419 E 4TH ST
City	SPENCERVILLE
State	OH
Zip	45887-1209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 20 PT E PT & 21 SW COR RTS 04-04-12 FF 75.0
Legal Subdivision	AUDITORS SUBDIVISION
Legal Lot Number	20
Jurisdiction	ALLEN OH
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3040
Census Tract	10600

Owner

Source: Allen County records · APN 44-1208-04-013.000

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 Record	Individual Name on File
Mailing Address	419 E 4TH ST, SPENCERVILLE, OH 45887-1209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 01, 2024 · Amount on Record
Deed Sale	Nov 01, 2024 · Amount on Record
Prior Sale	Oct 31, 2016 · Amount on Record
Deed Document Number	202410125
Prior Transfer Date	Aug 19, 2016
Prior Transfer Doc	8220008889
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Recording Date	May 18, 2026
Property Address	419 E 4TH ST, SPENCERVILLE, OH 45887-1209
Document Number	0000005074
Instrument Date	May 12, 2026
Instrument	20265074
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 E 4TH ST, SPENCERVILLE, OH 45887-1209

Mortgage

Document Number	0000005074,
Date	May 18, 2026
Instrument	20265074

Lender

Name	CITIZENS NATIONAL BANK/BLUFFTON

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,223.00 (-24.78%)	$37,240 (-) Land $7,000 Building $30,240	$106,400 (-) Land $20,000 Building $86,400
2024	$1,626.00 (+10.31%) Homeowner's exemption	$37,240 (+22.02%) Land $7,000 Building $30,240	$106,400 (+22.02%) Land $20,000 Building $86,400
2023	$1,474.00 (+36.73%) Homeowner's exemption	$30,520 (-) Land $5,740 Building $24,780
2022	$1,078.00 Homeowner's exemption	$30,520 Land $5,740 Building $24,780
2021			$87,200 Land $16,400 Building $70,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 20, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: Defiance Holdings.

Based on FCC filings for 124 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SPENCERVILLE VILLAGE serves 2,261 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.