Mercer County property record for 8970 Deep Cut Rd, Spencerville, OH 45887
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,962 sqft · built 1940 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Feb 2020) |
| Tax Bill | $2,291 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-037600.0200 |
| Primary APN | 40-037600.0200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,962 sqft Living Area |
| Basement Area | 337 sqft |
| Unfinished Basement | 337 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 8970 DEEP CUT RD |
|---|---|
| City | SPENCERVILLE |
| State | OH |
| Zip | 45887-8910 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT NE SE RTS: 003-04-24 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 967200 |
Source: Mercer County records, as of July 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 8970 DEEP CUT RD, SPENCERVILLE, OH 45887-8910 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · Line of Credit OHIO EDUCATIONAL CREDIT UNION |
| Feb 3, 2020 | Survivorship Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2020 · Amount on Record |
| Deed Sale | Feb 3, 2020 · Amount on Record |
| Deed Document Number | 2020543 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | May 12, 2026 |
| Property Address | 8970 DEEP CUT RD, SPENCERVILLE, OH 45887-8910 |
| Document Number | 0000002129 |
| Instrument Date | May 5, 2026 |
| Instrument | 20262129 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | GUARDIAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 8970 DEEP CUT RD, SPENCERVILLE, OH 45887-8910 |
| Document Number | 0000002129, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 20262129 |
| Name | OHIO EDUCATIONAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Feb 3, 2020 |
| Property Address | 8970 DEEP CUT RD, SPENCERVILLE, OH 45887-8910 |
| Document Number | 202000000543 |
| Instrument Date | Feb 1, 2020 |
| Instrument | 202000000543 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 8970 DEEP CUT RD, SPENCERVILLE, OH 45887-8910 |
| Document Number | 202000000544 |
|---|---|
| Date | Feb 3, 2020 |
| Instrument | 202000000544 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
Source: Mercer County assessment roll, as of February 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Mercer County |
| County Subdivision | Union Township |
| Unified School District | Parkway Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,291.00 | $66,930 (-) Land $17,960 Building $48,970 | |
| 2024 | $2,291.00 (+1.78%) | $66,930 (-) Land $17,960 Building $48,970 | |
| 2023 | $2,251.00 (+2.36%) | $66,930 (+27.9%) Land $17,960 Building $48,970 | $191,200 (+27.89%) Land $51,300 Building $139,900 |
| 2022 | $2,199.00 | $52,330 Land $16,800 Building $35,530 | |
| 2020 | $149,500 Land $48,000 Building $101,500 |
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.
Source: FEMA National Flood Hazard Layer, effective May 16, 2012 · 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 | 3 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 99.1% of the US · lower than 96% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Watch TV Fixed Wireless | 400 / 40 |
| Wabash Communications Fixed Wireless | 100 / 25 |
5G (outdoors only) and 4G LTE
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