1863 Spencer St, Toledo, OH 43609 Property Records

Lucas County property record for 1863 Spencer St, Toledo, OH 43609

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1914
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Jan 2018)
Tax Bill	$555 (2024)
Deeds & Mortgages	Jan 2018 Sale & Mortgage Feb 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`05-01121`

Property Details

APN / Parcel Number

Primary APN	`05-01121`
Alternative APN	`05327017`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	1,008 sqft
Basement Area	792 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1863 SPENCER ST
City	TOLEDO
State	OH
Zip	43609-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10-RS6
Legal Description	FAIRFIELD ADDITION LOT 51 & 52
Legal Subdivision	FAIRFIELD ADDITION
Legal Tract	43.02
Legal Lot Number	51,52
Jurisdiction	LUCAS OH
Township / Civil Division	TOLEDO
Census Block Group	2
Census Block	2012
Census Tract	10200

Owner

1863 Spencer St is owned and occupied by two individuals who bought it in January 2018.

Source: Lucas County records, as of June 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1863 SPENCER ST, TOLEDO, OH 43609-3021
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Survivor

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
Jan 19, 2018	Warranty Deed, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Feb 16, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2018 · Amount on File
Deed Sale	Jan 19, 2018 · Amount on File
Prior Sale	Feb 16, 2017 · Amount on File
Deed Document Number	20182735
Record Updated	Oct 29, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Jan 19, 2018
Property Address	1863 SPENCER ST, TOLEDO, OH 43609-3021
Document Number	0000002735
Instrument Date	Jan 10, 2018
Instrument	201801190002735
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	CHICAGO TITLE BOX

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1863 SPENCER ST, TOLEDO, OH 43609-3021

Mortgage

Document Number	0000002736
Date	Jan 19, 2018
Instrument	201801190002736

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Feb 16, 2017
Property Address	1863 SPENCER ST, TOLEDO, OH 43609-3021
Document Number	0000006808
Instrument Date	Feb 15, 2017
Instrument	6808
Transaction Type	Transfer
Record Updated	Apr 3, 2017

Transaction

Amount	Amount on Record
Tax	$76.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5612 CLOVER LN #LN3 SYLVANIA TOWNSHIP OH 436231617, SYLVANIA TOWNSHIP, OH 43623-1617

Tax Assessment & Valuation

Source: Lucas County assessment roll, as of December 30, 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		$9,765 (-) Land $7,350 Building $2,415	$27,900 (-) Land $21,000 Building $6,900
2024	$555.00 (-16.92%)	$9,765 (+24%) Land $7,350 Building $2,415	$27,900 Land $21,000 Building $6,900
2023	$668.00 (-0.74%)	$7,875 (-) Land $3,710 Building $4,165
2022	$673.00 Homeowner's exemption	$7,875 Land $3,710 Building $4,165
2021			$22,500 Land $10,600 Building $11,900

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 1863 Spencer St in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1863 Spencer St is low, with less than a 0.01% annual chance of wildfire.

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	None beyond 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 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20

May also be available: Amplex Wireless, T-Mobile.

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