521 E 6th St, Spencerville, OH 45887 Property Records

Allen County property record for 521 E 6th St, Spencerville, OH 45887

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,527 sqft · built 2001
Lot Size	0.257 acres (11,195 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Dec 2021)
Tax Bill	$2,862 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`44-1208-01-011.000`

Property Details

APN / Parcel Number

Primary APN	`44-1208-01-011.000`
Alternative APN	`E1944120801011000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,527 sqft Living Area
Gross Area	3,247 sqft
1st Floor Area	1,404 sqft
Upper Floors Area	1,123 sqft
Family Room	Family Room

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	11,195 sqft (0.257 acres)
Lot Dimensions	149 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	312 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	521 E 6TH ST
City	SPENCERVILLE
State	OH
Zip	45887-1062
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T D SHOBE SUBDIVISION #1 LOT 912 JOINT TEN FF 75.00
Legal Subdivision	T D SHOBE SUBDIVISION
Legal Lot Number	912
Jurisdiction	ALLEN OH
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3012
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	2 Individual Names on Record
Mailing Address	521 E 6TH ST, SPENCERVILLE, OH 45887-1062
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 27, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 30, 2021	Survivorship Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 19, 2018	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Prior Sale	Nov 2, 1999 · Amount on Record
Deed Document Number	202118064
Deed Book / Page	2021 / 18064
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	521 E 6TH ST, SPENCERVILLE, OH 45887-1062
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 E 6TH ST, SPENCERVILLE, OH 45887-1062

Mortgage

Document Number	12170012774
Date	Dec 17, 2025
Book Page	2025/12774
Instrument	202512170012774

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	521 E 6TH ST, SPENCERVILLE, OH 45887-1062
Transaction Type	Mortgage
Record Updated	Nov 7, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 E 6TH ST, SPENCERVILLE, OH 45887-1062

Mortgage

Document Number	10270012486
Date	Oct 27, 2022
Book Page	2022/12486
Instrument	202210270012486

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2052

December 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	ALLEN OH
Recording Date	Dec 30, 2021
Property Address	521 E 6TH ST, SPENCERVILLE, OH 45887-1062
Document Number	12300018064
Book / Page	2021 / 18064
Map Reference	MB 22 PG 127
Instrument Date	Dec 30, 2021
Instrument	202112300018064
Transaction Type	Transfer
Record Updated	Jan 11, 2022

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	521 E 6TH ST, SPENCERVILLE, OH 45887-1062

Mortgage

Document Number	12300018065
Date	Dec 30, 2021
Instrument	202112300018065

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	521 E 6TH ST, SPENCERVILLE, OH 45887-1062
Transaction Type	Mortgage
Record Updated	Jun 30, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6140008011
Date	Jun 14, 2021
Book Page	2021/8011
Instrument	202106140008011

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	210 Months
Due	Dec 1, 2038

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	521 E 6TH ST, SPENCERVILLE, OH 45887-1062
Document Number	0000011703
Instrument Date	Sep 19, 2018
Transaction Type	Mortgage
Record Updated	Nov 19, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	521 E 6TH ST SPENCERVILLE OH 458871062, SPENCERVILLE, OH 45887-1062

Mortgage

Document Number	0000011703
Date	Oct 16, 2018
Instrument	11703

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 15, 2038

Interest

Rate Type	Adjustable Rate

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	$2,862.00 (-0.35%)	$87,400 (-) Land $8,510 Building $78,890	$249,700 (-) Land $24,300 Building $225,400
2024	$2,872.00 (+24.44%) Homeowner's exemption	$87,400 (+32.95%) Land $8,510 Building $78,890	$249,700 (+32.96%) Land $24,300 Building $225,400
2023	$2,308.00 (-0.35%) Homeowner's exemption	$65,740 (-) Land $6,410 Building $59,330
2022	$2,316.00 Homeowner's exemption	$65,740 Land $6,410 Building $59,330
2021			$187,800 Land $18,300 Building $169,500

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	Low lower than 99.1% of the US · lower than 96% 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	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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