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

Allen County property record for 438 E 4th St, Spencerville, OH 45887 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,704 sqft · built 1930
Lot Size	0.301 acres (13,112 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Apr 2001)
Tax Bill	$1,052 (2025)
Deeds & Mortgages	Dec 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-1209-04-002.000`

Property Details

APN / Parcel Number

Primary APN	`44-1209-04-002.000`
Alternative APN	`E1944120904002000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,704 sqft Living Area
Gross Area	2,256 sqft
1st Floor Area	1,704 sqft
Family Room	Family Room

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	13,112 sqft (0.301 acres)
Lot Dimensions	170 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	168 sqft
Deck Area	168 sqft
Patio Area	168 sqft
Shed	1 Shed
Shed Area	200 sqft
Canopy	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	438 E 4TH ST
City	SPENCERVILLE
State	OH
Zip	45887-1292
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE1/4 & PT NE1/4 & PT LOT 26 RTS 04-04-12 FF 77.00
Legal Lot Number	26
Jurisdiction	ALLEN OH
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4004
Census Tract	10600

Owner

Source: Allen County records · APN 44-1209-04-002.000

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	438 E 4TH ST, SPENCERVILLE, OH 45887-1292
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 10, 2001 · Amount on Record
Deed Sale	Apr 10, 2001 · Amount on Record
Prior Sale	Jun 09, 1993 · Amount on Record
Record Updated	Sep 20, 2026

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	438 E 4TH ST, SPENCERVILLE, OH 45887-1292
Document Number	0000000002
Instrument Date	Dec 21, 2016
Transaction Type	Mortgage
Record Updated	Apr 04, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 E 4TH ST SPENCERVILLE OH 458871292, SPENCERVILLE, OH 45887-1292

Mortgage

Document Number	0000000002
Date	Jan 03, 2017
Instrument	2

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 02, 2032

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	$1,052.00 (-0.66%)	$31,470 (-) Land $6,860 Building $24,610	$89,900 (-) Land $19,600 Building $70,300
2024	$1,059.00 (+13.14%) Homeowner's exemption	$31,470 (+21.98%) Land $6,860 Building $24,610	$89,900 (+21.98%) Land $19,600 Building $70,300
2023	$936.00 (-9.13%) Homeowner's exemption	$25,800 (-) Land $5,640 Building $20,160
2022	$1,030.00 Homeowner's exemption	$25,800 Land $5,640 Building $20,160
2021			$73,700 Land $16,100 Building $57,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Allen County (39003C), updated June 20, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390030106004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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.