Allen County property record for 432 E 4th St, Spencerville, OH 45887
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,650 sqft · built 1920 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $125,000 (Jun 2023) |
| Tax Bill | $990 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Aug 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44-1209-04-010.000 |
| Primary APN | 44-1209-04-010.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,650 sqft Living Area |
| Gross Area | 1,734 sqft |
| 1st Floor Area | 1,236 sqft |
| Upper Floors Area | 414 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 20,038 sqft (0.46 acres) |
| Porch | Enclosed Frame Porch |
|---|---|
| Porch Area | 84 sqft |
| Patio Area | 308 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Lean-To | 273 sqft |
| Cooling System | None |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Storm Sewer |
| Water Source | Commercial |
| Street Address | 432 E 4TH ST |
|---|---|
| City | SPENCERVILLE |
| State | OH |
| Zip | 45887-1210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLAT OF THE VILLAGE OF SPENCERVILLE PT LOT 25 FF 80.44 |
| Legal Subdivision | PLAT OF THE VILLAGE OF SPENCERVILLE |
| Legal Lot Number | 25 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | SPENCER |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 10600 |
Source: Allen County records · APN 44-1209-04-010.000
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 432 E 4TH ST, SPENCERVILLE, OH 45887-1210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Jun 01, 2023 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Aug 04, 2022 | Deed of Trust, Mortgage · Line of Credit THE SHERWOOD STATE BANK |
| Feb 05, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 01, 2023 · Amount on Record |
| Deed Sale | Jun 01, 2023 · Amount on Record |
| Prior Sale | Apr 27, 2009 · Amount on Record |
| Deed Document Number | 20234588 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Jun 01, 2023 |
| Property Address | 432 E 4TH ST, SPENCERVILLE, OH 45887-1210 |
| Document Number | 6010004588 |
| Book / Page | 2023 / 4588 |
| Map Reference | MB 5 PG 27 |
| Instrument Date | May 30, 2023 |
| Instrument | 202306010004588 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 432 E 4TH ST, SPENCERVILLE, OH 45887-1210 |
| Document Number | 6010004589 |
|---|---|
| Date | Jun 01, 2023 |
| Instrument | 202306010004589 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 432 E 4TH ST, SPENCERVILLE, OH 45887-1210 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7035 CLUM RD, HARROD, OH 45850-9413 |
| Document Number | 8040009134 |
|---|---|
| Date | Aug 04, 2022 |
| Book Page | 2022/9134 |
| Instrument | 202208040009134 |
| Name | THE SHERWOOD STATE BANK |
|---|---|
| Type | Bank |
| Address | SWANTON, OH 43558 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Jul 20, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Feb 05, 2020 |
| Property Address | 432 E 4TH ST, SPENCERVILLE, OH 45887-1210 |
| Document Number | 0000001283 |
| Instrument Date | Jan 31, 2020 |
| Instrument | 1283 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7035 CLUM RD HARROD OH 458509413, HARROD, OH 45850-9413 |
Source: Allen County records · Assessment roll updated May 21, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Allen County |
| County Subdivision | Spencer Township |
| Municipality | Spencerville Village |
| Unified School District | Spencerville Local School District (PK - 12) |
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 | $990.00 (-0.3%) | $30,070 (-) Land $10,500 Building $19,570 | $85,900 (-) Land $30,000 Building $55,900 |
| 2024 | $993.00 (+11.32%) Homeowner's exemption | $30,070 (+22.04%) Land $10,500 Building $19,570 | $85,900 (+22.02%) Land $30,000 Building $55,900 |
| 2023 | $892.00 (-0.34%) | $24,640 (-) Land $8,610 Building $16,030 | |
| 2022 | $895.00 | $24,640 Land $8,610 Building $16,030 | |
| 2021 | $70,400 Land $24,600 Building $45,800 |
Source: FEMA National Flood Hazard Layer as of June 20, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
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.
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 |
| 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.
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