3175 River Rd, Toledo, OH 43614 Property Records

Lucas County property record for 3175 River Rd, Toledo, OH 43614

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,574 sqft · built 1960
Lot Size	0.537 acres (23,400 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Dec 2022)
Tax Bill	$8,633 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-08281`

Property Details

APN / Parcel Number

Primary APN	`18-08281`
Alternative APN	`06003011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,574 sqft Living Area
Gross Area	5,122 sqft
1st Floor Area	2,574 sqft
Attic	Attic
Attic Area	1,972 sqft
Basement Area	576 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Foundation Type	Raised
Lot Area	23,400 sqft (0.537 acres)
Lot Dimensions	254 ft deep x 92 ft wide
View / Lot	Secondary
Garage Type	Detached
Garage Area	362 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	276 sqft
Deck Area	607 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3175 RIVER RD
City	TOLEDO
State	OH
Zip	43614-4240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10-RS9
Legal Description	3 16 SE 1/4 PT LAWRENCE LANDS N 100FT S 148.68 FT FRT B
Legal Tract	45.01
Jurisdiction	LUCAS OH
Township / Civil Division	TOLEDO
Census Block Group	2
Census Block	2004
Census Tract	4501

Owner

3175 River Rd is owned and occupied by two individuals who bought it in December 2022.

Source: Lucas County records, as of April 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3175 RIVER RD, TOLEDO, OH 43614-4240
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 31, 2026	Deed of Trust, Mortgage · FHA Mortgage SAYGO HOME LOANS LLC
Dec 9, 2022	Fiduciary Deed, Transfer · FHA Mortgage RAPID MORTGAGE COMPANY
Feb 10, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2022 · Amount on File
Deed Sale	Dec 9, 2022 · Amount on File
Prior Sale	Jul 22, 2016 · Amount on File
Deed Document Number	202252317
Prior Transfer Date	Jan 29, 2021
Prior Transfer Doc	0000007617
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	3175 RIVER RD, TOLEDO, OH 43614-4240
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3175 RIVER RD, TOLEDO, OH 43614-4240

Mortgage

Document Number	0000012448
Date	Mar 31, 2026
Instrument	202603310012448

Lender

Name	SAYGO HOME LOANS LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85250

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	5%

December 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LUCAS OH
Recording Date	Dec 9, 2022
Property Address	3175 RIVER RD, TOLEDO, OH 43614-4240
Document Number	0000052317
Instrument Date	Nov 29, 2022
Instrument	202212090052317
Transaction Type	Transfer
Record Updated	Dec 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3175 RIVER RD, TOLEDO, OH 43614-4240

Mortgage

Document Number	0000052318
Date	Dec 9, 2022
Instrument	202212090052318

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LUCAS OH
Recording Date	Feb 10, 2021
Property Address	3175 RIVER RD, TOLEDO, OH 43614-4240
Document Number	0000007617
Instrument Date	Jan 29, 2021
Instrument	202102100007617
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Revocable Trust
Address	3175 RIVER RD, TOLEDO, OH 43614-4240

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	Homeowner's exemption	$151,690 (-) Land $65,870 Building $85,820	$433,400 (-) Land $188,200 Building $245,200
2024	$8,633.00 (+13.67%) Homeowner's exemption	$151,690 (+23.55%) Land $65,870 Building $85,820	$433,400 Land $188,200 Building $245,200
2023	$7,595.00 (-0.13%) Homeowner's exemption	$122,780 (-) Land $54,775 Building $68,005
2022	$7,605.00 Homeowner's exemption	$122,780 Land $54,775 Building $68,005
2021			$350,800 Land $156,500 Building $194,300

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 3175 River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 Claims	3 (1978–1982)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Mar 1982 · rainfall accumulation

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

Wildfire risk around 3175 River Rd 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 96% of the US · lower than 81% 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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL 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.

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