220 Independence Rd, Toledo, OH 43607 Property Records

Lucas County property record for 220 Independence Rd, Toledo, OH 43607

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,290 sqft · built 1959
Lot Size	0.188 acres (8,200 sqft)
Owner	Individual Name on Record
Last Sale	$39,000 (Jul 1990)
Tax Bill	$5,818 (2025)
Deeds & Mortgages	Aug 2026 Construction Loan Oct 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-23377`

Property Details

APN / Parcel Number

Primary APN	`20-23377`
Alternative APN	`05452017`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,290 sqft Living Area
Gross Area	1,642 sqft
1st Floor Area	1,290 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	8,200 sqft (0.188 acres)
Lot Dimensions	141 ft deep x 58 ft wide
Garage Type	Attached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	220 INDEPENDENCE RD
City	TOLEDO
State	OH
Zip	43607-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10-RS6
Legal Description	FULLERS HILLWAY ADDN PLAT 3 LOT 114
Legal Subdivision	FULLERS HILLWAY ADDN PLAT 3
Legal Tract	74
Legal Lot Number	114
Jurisdiction	LUCAS OH
Township / Civil Division	TOLEDO
Census Block Group	3
Census Block	3006
Census Tract	7402

Owner

Source: Lucas County records, as of August 19, 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	220 INDEPENDENCE RD, TOLEDO, OH 43607-2319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Construction Mortgage HUNTINGTON NATIONAL BANK
Oct 1, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit DIRECTIONS CU
Apr 25, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 1990 · Amount on Record
Deed Sale	Jul 24, 1990 · Amount on Record
Last Transfer Date	Apr 19, 2022
Transfer Doc	0000018708
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Recording Date	Aug 5, 2026
Property Address	220 INDEPENDENCE RD, TOLEDO, OH 43607-2319
Document Number	0000030361
Instrument Date	Jul 28, 2026
Instrument	202630361
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	TITLE365 - OMAHA, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 INDEPENDENCE RD, TOLEDO, OH 43607-2319

Mortgage

Document Number	0000030361,
Date	Aug 5, 2026
Instrument	202630361

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2056

Interest

Rate	6.43%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	220 INDEPENDENCE RD, TOLEDO, OH 43607-2319
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 INDEPENDENCE RD, TOLEDO, OH 43607-2319

Mortgage

Document Number	0000035399
Date	Oct 1, 2025
Instrument	202510010035399

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	220 INDEPENDENCE RD, TOLEDO, OH 43607-2319
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 INDEPENDENCE RD, TOLEDO, OH 43607-2319

Mortgage

Document Number	0000045270
Date	Oct 18, 2022
Instrument	202210180045270

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 28, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LUCAS OH
Recording Date	Apr 25, 2022
Property Address	220 INDEPENDENCE RD, TOLEDO, OH 43607-2319
Document Number	0000018708
Instrument Date	Apr 19, 2022
Instrument	202204250018708
Transaction Type	Transfer
Record Updated	May 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 INDEPENDENCE RD, TOLEDO, OH 43607-2319

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	$5,818.00 (+294.44%)	$25,935 (-) Land $9,835 Building $16,100	$74,100 (-) Land $28,100 Building $46,000
2024	$1,475.00 (+11.83%)	$25,935 (+34.48%) Land $9,835 Building $16,100	$74,100 (+34.48%) Land $28,100 Building $46,000
2023	$1,319.00 (-6.78%)	$19,285 (-) Land $7,805 Building $11,480
2022	$1,415.00 Homeowner's exemption	$19,285 Land $7,805 Building $11,480
2021			$55,100 Land $22,300 Building $32,800

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.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2024 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 74% 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.

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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Amplex Wireless, AT&T.

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