440 N Main St, Spencerville, OH 45887 Property Records

Allen County property record for 440 N Main St, Spencerville, OH 45887

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,060 sqft · built 1920
Lot Size	0.74 acres (32,234 sqft)
Owner	Individual Name on Record
Last Sale	$93,000 (Dec 2021)
Tax Bill	$960 (2025)
Deeds & Mortgages	May 2023 Sale Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-1206-02-005.000`

Property Details

APN / Parcel Number

Primary APN	`44-1206-02-005.000`
Alternative APN	`E1944120602005000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,060 sqft Living Area
1st Floor Area	1,060 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1965
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	32,234 sqft (0.74 acres)
Lot Dimensions	148 ft deep x 81 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	440 N MAIN ST
City	SPENCERVILLE
State	OH
Zip	45887-1024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 52 & PT 47 & PT ABON RR FF 81.00
Legal Lot Number	47
Jurisdiction	ALLEN OH
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3013
Census Tract	10600

Owner

Source: Allen County records, as of May 21, 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 Record
Mailing Address	440 N MAIN ST, SPENCERVILLE, OH 45887-1024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Warranty Deed, Transfer
Dec 15, 2021	Warranty Deed, Transfer · Conventional Mortgage THE UNION BANK CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2021 · Amount on Record
Deed Sale	Dec 15, 2021 · Amount on Record
Prior Sale	Jan 1, 1990
Deed Document Number	202117375
Deed Book / Page	2021 / 17375
Prior Transfer Date	May 14, 2019
Prior Transfer Doc	5210004869
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	May 1, 2023
Property Address	440 N MAIN ST, SPENCERVILLE, OH 45887-1024
Document Number	5010003568
Book / Page	2023 / 3568
Instrument Date	Apr 17, 2023
Instrument	202305010003568
Transaction Type	Transfer
Record Updated	May 10, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 N MAIN ST, SPENCERVILLE, OH 45887-1024

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Dec 15, 2021
Property Address	440 N MAIN ST, SPENCERVILLE, OH 45887-1024
Document Number	12150017375
Book / Page	2021 / 17375
Instrument Date	Dec 15, 2021
Instrument	202112150017375
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 N MAIN ST, SPENCERVILLE, OH 45887-1024

Mortgage

Document Number	12150017376
Date	Dec 15, 2021
Instrument	202112150017376

Lender

Name	THE UNION BANK CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Allen County assessment roll, as of May 21, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$960.00 (-0.21%)	$29,020 (-) Land $13,760 Building $15,260	$82,900 (-) Land $39,300 Building $43,600
2024	$962.00 (+48.46%) Homeowner's exemption	$29,020 (+59.71%) Land $13,760 Building $15,260	$82,900 (+59.73%) Land $39,300 Building $43,600
2023	$648.00 (-1.67%) Homeowner's exemption	$18,170 (-) Land $5,670 Building $12,500
2022	$659.00 Homeowner's exemption	$18,170 Land $5,670 Building $12,500
2021			$51,900 Land $16,200 Building $35,700

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.

Flood

Source: FEMA National Flood Hazard Layer, effective June 20, 2024

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCERVILLE VILLAGE serves 2,261 people · EPA ID OH0201312
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: MetaLINK Technologies.

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