Jackson County property record for 475 Spencer Rd, Ray, OH 45672
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,378 sqft · built 1995 |
| Lot Size | 2.03 acres (88,427 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $49,000 (Jun 2005) |
| Tax Bill | $2,445 (2025) |
| Deeds & Mortgages | May 2022 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | E080060000201 |
| Primary APN | E080060000201 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,378 sqft Living Area |
| 1st Floor Area | 1,378 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 88,427 sqft (2.03 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 424 sqft |
| Patio Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 475 SPENCER RD |
|---|---|
| City | RAY |
| State | OH |
| Zip | 45672-9616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SE QT OF NE QT |
| Legal Range | 19 |
| Legal Township | 08 |
| Legal Section | 28 |
| Jurisdiction | JACKSON OH |
| Township / Civil Division | JACKSON |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 957400 |
Source: Jackson County records, as of July 7, 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 Record |
|---|---|
| Mailing Address | PO BOX 8800, DAYTON, OH 45401-8800 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2005 · Amount on Record |
| Deed Sale | Jun 22, 2005 · Amount on Record |
| Prior Sale | Apr 1, 1996 |
| Deed Document Number | 200548691 |
| Deed Book / Page | 33 / 253 |
| Record Updated | Sep 20, 2026 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | JACKSON OH |
| Recording Date | May 31, 2022 |
| Property Address | 475 SPENCER RD, RAY, OH 45672-9616 |
| Document Number | 00000165/5 |
| Book / Page | 165 / 5 |
| Instrument Date | May 20, 2022 |
| Instrument | 202200006492 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2022 |
| Title Company | ELITA LAND TITLE, ELITE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 25898 STATE ROUTE 159, CIRCLEVILLE, OH 43113-9440 |
| Document Number | 202200006493 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 202200006493 |
| Name | THE VINTON COUNTY NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 20, 2042 |
| Rate Type | Adjustable Rate |
|---|
Source: Jackson County assessment roll, as of March 23, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Jackson County |
| County Subdivision | Jackson Township |
| Unified School District | Jackson City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,445.00 (-3.51%) | $53,930 (-) Land $6,740 Building $47,190 | $154,080 (-) Land $19,250 Building $134,830 |
| 2023 | $2,534.00 (+43%) | $53,930 (+44.51%) Land $6,740 Building $47,190 | |
| 2022 | $1,772.00 | $37,320 Land $5,030 Building $32,290 | |
| 2020 | $154,080 Land $19,250 Building $134,830 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 18, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 14 (1997–2011) |
| Claims Outside the SFHA | 3 of 14 |
| Most Recent Claim | May 2011 · Severe Storms And Flooding |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 95% of Ohio |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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