2820 Spring Water Dr, Toledo, OH 43617 Property Records

Lucas County property record for 2820 Spring Water Dr, Toledo, OH 43617

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,345 sqft · built 1988
Lot Size	0.351 acres (15,300 sqft)
Owner	2 Individual Names on File
Last Sale	$278,500 (Dec 2016)
Tax Bill	$8,854 (2024)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`79-20381`

Property Details

APN / Parcel Number

Primary APN	`79-20381`
Alternative APN	`30309007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,345 sqft Living Area
Gross Area	5,224 sqft
1st Floor Area	1,859 sqft
2nd Floor Area	1,486 sqft
Basement Area	1,111 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	15,300 sqft (0.351 acres)
Lot Dimensions	153 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft
Deck Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2820 SPRING WATER DR
City	TOLEDO
State	OH
Zip	43617-1352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20-R2
Legal Description	SPRINGFOREST LOT 19
Legal Subdivision	SPRINGFOREST
Legal Tract	92
Legal Lot Number	19
Jurisdiction	LUCAS OH
Township / Civil Division	SYLVANIA
Census Block Group	3
Census Block	3005
Census Tract	9205

Owner

2820 Spring Water Dr is owned and occupied by two individuals who bought it in December 2016.

Source: Lucas County records, as of March 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2820 SPRING WATER DR, TOLEDO, OH 43617-1352
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 15, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage MID-AMERICAN MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2016 · Amount on File
Deed Sale	Dec 9, 2016 · Amount on File
Prior Sale	May 10, 1993 · Amount on File
Deed Document Number	201651166
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	2820 SPRING WATER DR, TOLEDO, OH 43617-1352
Transaction Type	Mortgage
Record Updated	Nov 24, 2022
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 SPRING WATER DR, TOLEDO, OH 43617-1352

Mortgage

Document Number	0000049342
Date	Nov 15, 2022
Instrument	202211150049342

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 25, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	2820 SPRING WATER DR, TOLEDO, OH 43617-1352
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	MIDLAND TITLE AND ESCROW, MIDLAND TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013289
Date	Mar 17, 2021
Instrument	202103170013289

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

Tax Assessment & Valuation

Source: Lucas County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lucas County
County Subdivision	Sylvania Township
Unified School District	Sylvania City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$131,250 (-5.4%) Land $24,045 Building $107,205	$375,000 (-) Land $68,700 Building $306,300
2024	$8,854.00 (+5.85%)	$138,740 (+25.92%) Land $24,045 Building $114,695	$375,000 Land $68,700 Building $306,300
2023	$8,365.00 (-0.06%)	$110,180 (-) Land $19,180 Building $91,000
2022	$8,370.00 Homeowner's exemption	$110,180 Land $19,180 Building $91,000
2021			$314,800 Land $54,800 Building $260,000

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

FEMA maps place 2820 Spring Water Dr 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 2820 Spring Water Dr 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 98% of the US · lower than 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 379 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber · Cable in parts of the area	10,000 / 10,000
Frontier Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: MetaLINK Technologies, Spectrum.

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