2946 Orchard Tree Ln, Toledo, OH 43617 Property Records

Lucas County property record for 2946 Orchard Tree Ln, Toledo, OH 43617

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,214 sqft · built 2000
Lot Size	0.445 acres (19,400 sqft)
Owner	2 Individual Names on File
Last Sale	$475,500 (Dec 2025)
Tax Bill	$11,410 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Feb 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`79-20484`

Property Details

APN / Parcel Number

Primary APN	`79-20484`
Alternative APN	`30323028`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,214 sqft Living Area
Gross Area	5,450 sqft
1st Floor Area	1,611 sqft
2nd Floor Area	1,603 sqft
Basement Area	1,610 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Lot Area	19,400 sqft (0.445 acres)
Lot Width	57 ft Width
Garage Type	Attached
Garage Area	626 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2946 ORCHARD TREE LN
City	TOLEDO
State	OH
Zip	43617-2310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20-RA
Legal Description	SPRING FOREST PLAT THREE LOT 45
Legal Subdivision	SPRING FOREST PLAT THREE
Legal Tract	92
Legal Lot Number	45
Jurisdiction	LUCAS OH
Township / Civil Division	SYLVANIA
Census Block Group	3
Census Block	3003
Census Tract	9205

Owner

2946 Orchard Tree Ln is owned and occupied by two individuals who bought it in December 2025.

Source: Lucas County records, as of December 30, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2946 ORCHARD TREE LN, TOLEDO, OH 43617-2310
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Dec 3, 2025	Deed, Transfer · Conventional Mortgage SUN FCU
Feb 12, 2024	Fiduciary Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Jan 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
Aug 9, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2025 · Amount on File
Deed Sale	Dec 3, 2025 · Amount on File
Prior Sale	Feb 12, 2024 · Amount on File
Deed Document Number	202543198
Prior Transfer Date	Dec 19, 2003
Prior Transfer Doc	0000103042
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	LUCAS OH
Recording Date	Dec 3, 2025
Property Address	2946 ORCHARD TREE LN, TOLEDO, OH 43617-2310
Document Number	0000043198
Map Reference	VOL 121 PG 83
Instrument Date	Nov 20, 2025
Instrument	202512030043198
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	LOUISVILLE TITLE AGENCY, LOUISVILLE TTL AGCY FOR N W

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2946 ORCHARD TREE LN, TOLEDO, OH 43617-2310

Mortgage

Document Number	0000043199
Date	Dec 3, 2025
Instrument	202512030043199

Lender

Name	SUN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Dec 1, 2030
Change Frequency	5 Years
Min Rate At Change	4.37%
Max Rate At Change	7.37%
Index	5-Year CMT
Max Rate	10.8%

February 2024: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LUCAS OH
Recording Date	Feb 12, 2024
Property Address	2946 ORCHARD TREE LN, TOLEDO, OH 43617-2310
Document Number	0000004524
Map Reference	VOL 121 PG 83
Instrument Date	Feb 5, 2024
Instrument	202402120004524
Transaction Type	Transfer
Record Updated	Feb 21, 2024

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2946 ORCHARD TREE LN, TOLEDO, OH 43617-2310

Mortgage

Document Number	0000004525
Date	Feb 12, 2024
Instrument	202402120004525

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	2946 ORCHARD TREE LN, TOLEDO, OH 43617-2310
Document Number	0000003137
Instrument Date	Jan 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2946 ORCHARD TREE LN TOLEDO OH 436172310, TOLEDO, OH 43617-2310

Mortgage

Document Number	0000003137
Date	Jan 23, 2020
Instrument	3137

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 22, 2035

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUCAS OH
Recording Date	Aug 9, 2017
Property Address	2946 ORCHARD TREE LN, TOLEDO, OH 43617-2310
Document Number	0000034780
Instrument Date	Apr 25, 2017
Instrument	34780
Transaction Type	Transfer
Record Updated	Sep 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2946 ORCHARD TREE LN TOLEDO OH 436172310, TOLEDO, OH 43617-2310

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		$159,600 (-10.27%) Land $20,300 Building $139,300	$456,000 (-) Land $58,000 Building $398,000
2024	$11,410.00 (+9.81%)	$177,870 (+29.51%) Land $20,300 Building $157,570	$456,000 Land $58,000 Building $398,000
2023	$10,391.00 (-0.01%)	$137,340 (-) Land $20,755 Building $116,585
2022	$10,392.00 Homeowner's exemption	$137,340 Land $20,755 Building $116,585
2021			$392,400 Land $59,300 Building $333,100

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 2946 Orchard Tree Ln 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 2946 Orchard Tree Ln 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 186 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

May also be available: MetaLINK Technologies, Spectrum.

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