1809 Adams St, Toledo, OH 43604 Property Records

Lucas County property record for 1809 Adams St, Toledo, OH 43604

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	16,760 sqft · built 1910
Lot Size	0.307 acres (13,400 sqft)
Owner	Company Name on File
Last Sale	$1,260,000 (Sep 2022)
Tax Bill	$5,069 (2025)
Deeds & Mortgages	Sep 2022 Sale & Line of Credit Jul 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-44647`

Property Details

APN / Parcel Number

Primary APN	`07-44647`

Interior

Stories	2 Stories
Building Area	16,760 sqft Gross Area

Exterior

Year Built	Built 1910
Lot Area	13,400 sqft
Lot Width	100 ft Width

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1809 ADAMS ST
City	TOLEDO
State	OH
Zip	43604-5427
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	10-CR
Legal Description	HUNTS ADDITION LOTS 70 & 71(SEE 07-00075 FOR EX
Legal Subdivision	HUNTS ADDITION
Legal Tract	27
Legal Lot Number	70-71 71
Jurisdiction	LUCAS OH
Township / Civil Division	TOLEDO
Census Block Group	1
Census Block	1013
Census Tract	2700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Uptown Toledo Historic District listed 2023 · 153 contributing resources · NRIS 100009042

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1809 Adams St, a commercial property, is owned by a company that bought it in September 2022.

Source: Lucas County records, as of February 16, 2026

Owner of Record	Company Name on File
Mailing Address	2438 MEADOWWOOD DR, TOLEDO, OH 43606-3135
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Limited Warranty Deed, Transfer · Line of Credit DIRECTIONS CU
Jul 3, 2017	Deed of Trust, Mortgage · Line of Credit THE FARMERS & MERCHANTS STATE BANK
Nov 3, 2020	Deed of Trust, Mortgage · Line of Credit DIRECTIONS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2022 · Amount on File
Deed Sale	Sep 27, 2022 · Amount on File
Prior Sale	Aug 10, 2020 · Amount on File
Deed Document Number	22107854
Record Updated	Jun 8, 2026

September 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Sep 27, 2022
Property Address	1809 ADAMS ST, TOLEDO, OH 43604-5427
Document Number	0000042336
Map Reference	VOL 2A PG 89
Instrument Date	Sep 20, 2022
Instrument	202209270042336
Transaction Type	Transfer
Record Updated	Oct 5, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2438 MEADOWWOOD DR, TOLEDO, OH 43606-3135

Mortgage

Document Number	0000042337
Date	Sep 27, 2022
Instrument	202209270042337

Lender

Name	DIRECTIONS CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Oct 1, 2027

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	1809 ADAMS ST, TOLEDO, OH 43604-5427
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027859
Date	Jul 3, 2017
Instrument	201707030027859

Lender

Name	THE FARMERS & MERCHANTS STATE BANK
Type	Bank
Address	ARCHBOLD, OH 43502

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Jun 29, 2022

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	1809 ADAMS ST, TOLEDO, OH 43604-5427
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049425
Date	Nov 3, 2020
Instrument	202011030049425

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Nov 1, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 1809 Adams St was $5,069, up 135.3% from the year before.

Source: Lucas County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lucas County
Municipality	Toledo City
Unified School District	Toledo City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,069.00 (+135.33%)	$19,740 (-) Land $10,465 Building $9,275
2024	$2,154.00 (-12.19%)	$19,740 (+2.55%) Land $10,465 Building $9,275	$56,400 Land $29,900 Building $26,500
2023	$2,453.00 (+1.24%)	$19,250 (-) Land $9,975 Building $9,275
2022	$2,423.00	$19,250 Land $9,975 Building $9,275
2021			$55,000 Land $28,500 Building $26,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1809 Adams St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2026 · 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	1 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.

Wildfire

The area around 1809 Adams St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF TOLEDO serves 360,000 people · EPA ID OH4801411
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Mar 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Cable · Fiber in parts of the area	1,000 / 20
Starlink Satellite	280 / 30
Amplex Wireless Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum, T-Mobile, Verizon.

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