Allen County property record for 6490 Spencerville Rd, Lima, OH 45806
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,200 sqft · built 1955 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $42,000 (Aug 1989) |
| Tax Bill | $1,796 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit May 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 45-1200-01-011.000 |
| Primary APN | 45-1200-01-011.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| Gross Area | 1,992 sqft |
| 1st Floor Area | 1,200 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 30,492 sqft (0.7 acres) |
| Garage Type | Attached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Frame Porch |
| Porch Area | 240 sqft |
| Patio Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Street Address | 6490 SPENCERVILLE RD |
|---|---|
| City | LIMA |
| State | OH |
| Zip | 45806-9370 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DE LEE OAKS SUBDIVISION LOT 20824 |
| Legal Subdivision | DE LEE OAKS SUBDIV |
| Legal Lot Number | 20824 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | AMANDA |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 10600 |
6490 Spencerville Rd is owned and occupied by an individual who acquired it in October 2017.
Source: Allen County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6490 SPENCERVILLE RD, LIMA, OH 45806-9370 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 17, 2026 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| May 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Oct 5, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 1989 · Amount on File |
| Deed Sale | Aug 3, 1989 · Amount on File |
| Last Transfer Date | Oct 4, 2017 |
| Transfer Doc | 10050011036 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Sep 17, 2026 |
| Property Address | 6490 SPENCERVILLE RD, LIMA, OH 45806-9370 |
| Document Number | 0000009785 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 20269785 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 6490 SPENCERVILLE RD, LIMA, OH 45806-9370 |
| Document Number | 0000009785, |
|---|---|
| Date | Sep 17, 2026 |
| Instrument | 20269785 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 6, 2041 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 6490 SPENCERVILLE RD, LIMA, OH 45806-9370 |
| Document Number | 0000006104 |
| Instrument Date | May 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2018 |
| Name | Verified Name |
|---|---|
| Address | 6490 SPENCERVILLE RD LIMA OH 458069370, LIMA, OH 45806-9370 |
| Document Number | 0000006104 |
|---|---|
| Date | May 30, 2018 |
| Instrument | 6104 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 29, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Oct 5, 2017 |
| Property Address | 6490 SPENCERVILLE RD, LIMA, OH 45806-9370 |
| Document Number | 0000011036 |
| Instrument Date | Oct 4, 2017 |
| Instrument | 11036 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6490 SPENCERVILLE RD LIMA OH 458069370, LIMA, OH 45806-9370 |
The 2025 property tax bill for 6490 Spencerville Rd was $1,796, down 0.9% from the year before.
Source: Allen County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Allen County |
| County Subdivision | Amanda Township |
| Unified School District | Shawnee Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,796.00 (-0.88%) | $44,950 (-) Land $10,120 Building $34,830 | $128,400 (-) Land $28,900 Building $99,500 |
| 2024 | $1,812.00 (+11.1%) Homeowner's exemption | $44,950 (+30.1%) Land $10,120 Building $34,830 | $128,400 Land $28,900 Building $99,500 |
| 2023 | $1,631.00 (+1.3%) Homeowner's exemption | $34,550 (-) Land $7,770 Building $26,780 | |
| 2022 | $1,610.00 Homeowner's exemption | $34,550 Land $7,770 Building $26,780 | |
| 2021 | $98,700 Land $22,200 Building $76,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6490 Spencerville Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1981.
Source: FEMA National Flood Hazard Layer, effective June 20, 2024 · 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 | 2 in force |
| Nearby Flood Claims | 7 (1981–2017) |
| Claims Outside the SFHA | 5 of 7 |
| Most Recent Claim | Jul 2017 · river or lake flooding |
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.
The area around 6490 Spencerville Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: FCC Broadband Data Collection, based on 16 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 |
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