665 Spencer Rd, Ray, OH 45672 Property Records

Jackson County property record for 665 Spencer Rd, Ray, OH 45672

Property Summary

Property Type	Single Family Home
Details	924 sqft · built 1997
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,500 (Jul 2024)
Tax Bill	$1,727 (2025)
Deeds & Mortgages	Sep 2022 Transfer Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`E080050017000`

Property Details

APN / Parcel Number

Primary APN	`E080050017000`

Interior

Building Area	924 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Mobile Home
Lot Area	1,742,400 sqft (40 acres)
Terrain	Rolling

Exterior Amenities

Shed	1 Shed
Shed Area	160 sqft
Canopy	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	665 SPENCER RD
City	RAY
State	OH
Zip	45672-9616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW NW
Legal Range	00
Legal Township	00
Legal Section	27
Jurisdiction	JACKSON OH
Township / Civil Division	JACKSON
Census Block Group	1
Census Block	1046
Census Tract	957400

Owner

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	895 SPENCER RD, RAY, OH 45672-9616
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Affidavit of Death, Transfer HOCKING VALLEY TITLE AGENCY
Sep 21, 2022	Affidavit of Death, Transfer HOCKING VALLEY TITLE AGENCY
Sep 21, 2022	Warranty Deed, Transfer · Conventional Mortgage THE VINTON COUNTY NATIONAL BANK
Sep 21, 2022	Affidavit of Death, Transfer HOCKING VALLEY TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2024 · Amount on Record
Deed Sale	Jul 18, 2024 · Amount on Record
Prior Sale	Jun 28, 2000
Deed Document Number	20241948
Deed Book / Page	180 / 1701
Prior Transfer Date	Sep 16, 2022
Prior Transfer Doc	00167/2058
Record Updated	Sep 20, 2026

September 2022: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	JACKSON OH
Recording Date	Sep 21, 2022
Property Address	665 SPENCER RD, RAY, OH 45672-9616
Document Number	00167/2054
Book / Page	167 / 2054
Instrument Date	Aug 30, 2022
Instrument	202200007937
Transaction Type	Transfer
Record Updated	Apr 23, 2024
Title Company	HOCKING VALLEY TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2022: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	JACKSON OH
Recording Date	Sep 21, 2022
Property Address	665 SPENCER RD, RAY, OH 45672-9616
Document Number	00167/2051
Book / Page	167 / 2051
Instrument Date	Aug 30, 2022
Instrument	202200007936
Transaction Type	Transfer
Record Updated	Apr 23, 2024
Title Company	HOCKING VALLEY TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OH
Recording Date	Sep 21, 2022
Property Address	665 SPENCER RD, RAY, OH 45672-9616
Document Number	00167/2061
Book / Page	167 / 2061
Instrument Date	Aug 30, 2022
Instrument	202200007939
Transaction Type	Transfer
Record Updated	Apr 23, 2024
Title Company	HOCKING VALLEY TITLE AGENCY, HOCKING VALLEY TTL AGCY INC

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
Relationship	Right of Survivorship
Address	1931 COTTONWOOD TERR CT, MELMORE, OH 44845

Mortgage

Document Number	202200007940
Date	Sep 21, 2022
Instrument	202200007940

Lender

Name	THE VINTON COUNTY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	9.12%
Index	1-Year CMT
Margin	4
Max Rate	13.1%

September 2022: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	JACKSON OH
Recording Date	Sep 21, 2022
Property Address	665 SPENCER RD, RAY, OH 45672-9616
Document Number	00167/2058
Book / Page	167 / 2058
Instrument Date	Aug 30, 2022
Instrument	202200007938
Transaction Type	Transfer
Record Updated	Apr 23, 2024
Title Company	HOCKING VALLEY TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of March 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Jackson County
County Subdivision	Jackson Township
Unified School District	Jackson City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,727.00 (-3.52%)	$38,090 (-) Land $37,610 Building $480	$108,820 (-) Land $107,450 Building $1,370
2023	$1,790.00 (+9.48%)	$38,090 (+10.6%) Land $37,610 Building $480
2022	$1,635.00	$34,440 Land $33,650 Building $790
2020			$108,820 Land $107,450 Building $1,370

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 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	Severe Storms And Flooding, May 2011 · 8 claims Severe Storms, Flooding, And Tornadoes, Jun 1998 · 5 claims

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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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