Medina County property record for 6965 River Corners Rd, Spencer, OH 44275
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,160 sqft · built 1966 |
| Lot Size | 2.57 acres (111,949 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $129,000 (Nov 2003) |
| Tax Bill | $1,440 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Nov 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-08D-20-012 |
| Primary APN | 036-08D-20-012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,160 sqft Living Area |
| 1st Floor Area | 2,320 sqft |
| Basement Area | 1,160 sqft |
| Unfinished Basement | 1,160 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Siding |
| Construction Type | Wood |
| Lot Area | 111,949 sqft (2.57 acres) |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 400 sqft |
| Deck Area | 292 sqft |
| Patio Area | 292 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 6965 RIVER CORNERS RD |
|---|---|
| City | SPENCER |
| State | OH |
| Zip | 44275-9522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 2 LOT 5 W MID PT 2.571A |
| Legal Subdivision | SPENCER SEC 02 |
| Legal Tract | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | MEDINA OH |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 410000 |
Source: Medina 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 | Individual Name on Record |
|---|---|
| Mailing Address | 6965 RIVER CORNERS RD, SPENCER, OH 44275-9522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2026 | Deed of Trust, Mortgage · Line of Credit EMERALD CREDIT UNION |
| Nov 7, 2018 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Oct 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EMERALD CU INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 7, 2003 · Amount on Record |
| Deed Sale | Nov 7, 2003 · Amount on Record |
| Deed Document Number | 200359561 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEDINA OH |
| Recording Date | May 14, 2026 |
| Property Address | 6965 RIVER CORNERS RD, SPENCER, OH 44275-9522 |
| Document Number | 0000008714 |
| Instrument Date | May 8, 2026 |
| Instrument | 20268714 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 6965 RIVER CORNERS RD, SPENCER, OH 44275-9522 |
| Document Number | 0000008714, |
|---|---|
| Date | May 14, 2026 |
| Instrument | 20268714 |
| Name | EMERALD CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 20, 2046 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEDINA OH |
| Property Address | 6965 RIVER CORNERS RD, SPENCER, OH 44275-9522 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000024234 |
|---|---|
| Date | Nov 7, 2018 |
| Instrument | 2018OR024234 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MEDINA, OH 44256 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEDINA OH |
| Property Address | 6965 RIVER CORNERS RD, SPENCER, OH 44275-9522 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000027053 |
|---|---|
| Date | Oct 27, 2020 |
| Instrument | 2020OR027053 |
| Name | EMERALD CU INC |
|---|---|
| Type | Credit Union |
| Address | CLEVELAND, OH 44125 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2035 |
Source: Medina County assessment roll, as of April 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Medina County |
| County Subdivision | Spencer Township |
| Unified School District | Black River Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,440.00 (+47.24%) | $63,040 (+36.84%) Land $26,250 Building $36,790 | $180,100 (+36.81%) Land $75,000 Building $105,100 |
| 2024 | $978.00 (-44.43%) | $46,070 (-) Land $16,370 Building $29,700 | |
| 2023 | $1,760.00 (-2.55%) | $46,070 (-) Land $16,370 Building $29,700 | |
| 2022 | $1,806.00 | $46,070 Land $16,370 Building $29,700 | $131,640 Land $46,770 Building $84,870 |
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.
Source: FEMA National Flood Hazard Layer, effective January 5, 2021 · 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
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 96% of the US · lower than 81% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Omni Fiber Fiber | 1,000 / 1,000 |
| Armstrong Cable | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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