44271 Stewart Rd, Spencer, OH 44275 Property Records

Lorain County property record for 44271 Stewart Rd, Spencer, OH 44275

Property Summary

Property Type	General Agricultural/Rural
Details	built 2005
Lot Size	7.92 acres (345,431 sqft)
Owner	Individual Name on Record
Last Sale	$490,000 (Oct 2019)
Tax Bill	$1,133 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-17-020-000-028`

Property Details

APN / Parcel Number

Primary APN	`21-17-020-000-028`

Exterior

Year Built	Built 2005
Lot Area	345,431 sqft (7.92 acres)
Canopy	1,200 sqft
Pole Barn	6,720 sqft

Location & Zoning

Street Address	44271 STEWART RD
City	SPENCER
State	OH
Zip	44275-9403
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	FROM -027
Legal Subdivision	HUNTINGTON 17
Legal Tract	17
Legal Lot Number	20
Jurisdiction	LORAIN OH
Township / Civil Division	HUNTINGTON
Census Block Group	2
Census Block	2091
Census Tract	97100

Owner

Source: Lorain County records, as of March 20, 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
Co-owner	Co-owner on Record
Mailing Address	44271 STEWART RD, SPENCER, OH 44275-9403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2019 · Amount on Record
Deed Sale	Oct 7, 2019 · Amount on Record
Prior Sale	May 26, 2006
Deed Document Number	2019006188
Record Updated	Jun 8, 2026

October 2019: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LORAIN OH
Recording Date	Oct 7, 2019
Property Address	44271 STEWART RD, SPENCER, OH 44275-9403
Document Number	0000733326
Instrument Date	Oct 3, 2019
Instrument	2019-0733326
Transaction Type	Transfer
Record Updated	Apr 29, 2022
Title Company	FIRST MERIDIAN TITLE AGENCY

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	44271 STEWART RD, SPENCER, OH 44275-9403

Mortgage

Document Number	0000733327
Date	Oct 7, 2019
Instrument	2019-0733327

Lender

Name	DOLLAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Lorain County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lorain County
County Subdivision	Huntington Township
Unified School District	Black River Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,133.00	$42,120 (-0.01%) Land $20,340 Building $21,780	$120,350 (-) Land $58,120 Building $62,230
2024	$1,133.00 (-5.9%)	$42,123 (+17.49%) Land $20,342 Building $21,781	$120,350 (+17.49%) Land $58,120 Building $62,230
2023	$1,204.00 (-5.12%)	$35,851 (+%) Land $11,281 Building $24,570	$102,430 (-) Land $32,230 Building $70,200
2022	$1,269.00 Additional exemption filed	$35,850 Land $11,280 Building $24,570
2021			$102,430 Land $32,230 Building $70,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 25, 2026

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	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
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	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stewart Rd

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