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

Allen County property record for 435 E 4th St, Spencerville, OH 45887

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,484 sqft · built 1953
Lot Size	0.238 acres (10,367 sqft)
Owner	Individual Name on File
Last Sale	$92,000 (Jul 2014)
Tax Bill	$1,316 (2025)
Deeds & Mortgages	Dec 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-1208-04-015.000`

Property Details

APN / Parcel Number

Primary APN	`44-1208-04-015.000`
Alternative APN	`E1944120804015000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,484 sqft Living Area
Gross Area	2,868 sqft
1st Floor Area	928 sqft
Upper Floors Area	556 sqft
Basement Area	928 sqft
Family Room	Family Room

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	10,367 sqft (0.238 acres)
Lot Dimensions	157 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Breezeway
Porch Area	156 sqft
Deck Area	36 sqft
Patio Area	276 sqft
Breezeway	Breezeway

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	435 E 4TH ST
City	SPENCERVILLE
State	OH
Zip	45887-2000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE1/4 RTS 04-04-12 FF 66.00
Legal Lot Number	23
Jurisdiction	ALLEN OH
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3040
Census Tract	10600

Owner

Source: Allen County records · APN 44-1208-04-015.000

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	435 E 4TH ST, SPENCERVILLE, OH 45887-2000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 14, 2014 · Amount on Record
Deed Sale	Jul 14, 2014 · Amount on Record
Prior Sale	Apr 15, 2014 · Amount on Record
Deed Document Number	20146940
Deed Book / Page	2014 / 6940
Prior Transfer Date	Nov 13, 2007
Prior Transfer Doc	11190017694
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	435 E 4TH ST, SPENCERVILLE, OH 45887-2000
Transaction Type	Mortgage
Record Updated	Jan 02, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 E 4TH ST, SPENCERVILLE, OH 45887-2000

Mortgage

Document Number	12210014425
Date	Dec 21, 2022
Book Page	2022/14425
Instrument	202212210014425

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2052

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	$1,316.00 (-0.3%)	$40,080 (-) Land $6,370 Building $33,710	$114,500 (-) Land $18,200 Building $96,300
2024	$1,320.00 (+14.09%) Homeowner's exemption	$40,080 (+22.05%) Land $6,370 Building $33,710	$114,500 (+22.07%) Land $18,200 Building $96,300
2023	$1,157.00 (-0.26%) Homeowner's exemption	$32,840 (-) Land $5,220 Building $27,620
2022	$1,160.00 Homeowner's exemption	$32,840 Land $5,220 Building $27,620
2021			$93,800 Land $14,900 Building $78,900

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.