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4095 Spencerville Rd, Lima, OH, 45805

4beds
3baths
2,652sqft
$579,900
$219price/sqft
$4,103/moest. monthly cost
$164,120/yrincome needed

About This Home

Available for showings starting June 1st Beautiful Shawnee Schools property offering over 2,600 square feet of living space on nearly 5 acres with the convenience of city water and county sewer! This 4-bedroom, 2.5 bath home features a flexible layout with two living areas or the option for a spacious main floor office. The large kitchen offers quality wood cabinetry, granite countertops, ample workspace, and flows nicely into the main living areas with 8-foot ceilings throughout the main level and convenient first floor laundry. Upstairs you’ll find an additional living space along with all four bedrooms, including a spacious primary suite with a private ensuite bath. The finished basement adds even more entertaining space with a wet bar and room for gatherings, recreation, or additional living needs. Outside is where this property truly shines with covered front and rear porches, including a large back porch complete with a hot tub overlooking the peaceful setting. Additional features include a 3-car attached garage, above-ground pool, and an impressive 35x60 insulated pole barn with concrete floors, metal finished interior and exterior, and three 12x12 overhead doors. A rare combination of space, functionality, utilities, and country-style living in Shawnee Schools!

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

5/10
7/10
Shawnee Middle SchoolGrades 5-82.2 mi
7/10
Shawnee High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 2013

Materials

  • Foundation: Other
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Concrete,Finished,Partial

Bedroom1

  • Level: Second
  • Area: 309.009
  • Dimensions: 21.9 x 14.11

Bedroom2

  • Level: Second
  • Area: 144.48
  • Dimensions: 12.9 x 11.2

Bedroom3

  • Level: Second
  • Area: 149.5
  • Dimensions: 13 x 11.5

Bedroom4

  • Level: Second
  • Area: 151.25
  • Dimensions: 12.1 x 12.5

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 141.12
  • Dimensions: 12.6 x 11.2

Family Room

  • Level: First
  • Area: 262.19
  • Dimensions: 16.7 x 15.7

Features

  • Flooring: Carpet,Laminate,Vinyl
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,652
  • Total interior livable area: 2,652 sqft

Kitchen

  • Level: First
  • Area: 177.786
  • Dimensions: 14.11 x 12.6

Living Room

  • Level: First
  • Area: 198.56
  • Dimensions: 14.6 x 13.6

Other

  • Level: Second
  • Area: 139.23
  • Dimensions: 11.9 x 11.7

Property

Details

  • Parcel number: 46040301012.00 + 46.040301012.501
  • Zoning description: Residential
  • Special condition: Fair Market

Features

  • Levels: Two
  • Patio & porch: Covered,Patio,Porch

Lot

  • Lot size: 4.99 Acres
  • Features: Level

Parking

  • Total spaces: 3
  • Parking features: Garage Door Opener,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Winter Weather

FEMA Declared Disasters Across Ohio Counties

Flood

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,932$35,184
Home Insurance *$375$4,500
Property Taxes $512$6,144
Electricity $284$3,413
Total$4,103$49,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,674/yr
40% on housing$123,090/yr
45% on housing$109,413/yr

Ohio FAIR Plan Programs

Ohio FAIR Plan Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 13,942Commercial: 466
Total Premiums$18.03M
Total Exposure$5.92B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$219This listing

vs Other Active Listings

Avg $/sqft

ZIP 45805$104
Allen County$111

vs Homes Sold Last Month

Median $/sqft

ZIP 45805$132
Allen County$116

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-23Price change$579,900
2026-06-01Listed for sale$589,900

For Sale by Agent

AgentJason Liening
BrokerageCowan, Realtors

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