3228 Zone Ave, Toledo, OH 43617 Property Records

Lucas County property record for 3228 Zone Ave, Toledo, OH 43617

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,470 sqft · built 1927
Lot Size	0.264 acres (11,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Mar 2024)
Tax Bill	$2,806 (2024)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78-68840`

Property Details

APN / Parcel Number

Primary APN	`78-68840`
Alternative APN	`30216014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,470 sqft Living Area
Gross Area	1,960 sqft
1st Floor Area	980 sqft
Attic	Attic
Attic Area	980 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Metal
Construction Type	Metal Frame
Foundation Type	Raised
Lot Area	11,500 sqft (0.264 acres)
Lot Dimensions	150 ft deep x 77 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	98 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3228 ZONE AVE
City	TOLEDO
State	OH
Zip	43617-1070
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20-RA
Legal Description	ZONE OF HEALTH LOT 88 & S 16.5 FT LOT 89
Legal Subdivision	ZONE OF HEALTH
Legal Tract	92
Legal Lot Number	88,89
Jurisdiction	LUCAS OH
Township / Civil Division	SYLVANIA
Census Block Group	1
Census Block	1021
Census Tract	9206

Owner

Source: Lucas County records, as of September 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3228 ZONE AVE, TOLEDO, OH 43617-1070
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage EQUITY RESOURCES INC
Mar 26, 2024	Survivorship Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Feb 23, 2018	Survivorship Deed, Transfer · Conventional Mortgage EQUITY RESOURCES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2024 · Amount on Record
Deed Sale	Mar 26, 2024 · Amount on Record
Prior Sale	Feb 23, 2018 · Amount on Record
Deed Document Number	20249066
Prior Transfer Date	Aug 5, 2008
Prior Transfer Doc	0000060701
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	3228 ZONE AVE, TOLEDO, OH 43617-1070
Transaction Type	Mortgage
Record Updated	May 21, 2024
Title Company	MIDLAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014153
Date	Mar 28, 2022
Instrument	202203280014153

Lender

Name	EQUITY RESOURCES INC
Type	Mortgage Company
Address	NEWARK, OH 43055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2024: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LUCAS OH
Recording Date	Mar 26, 2024
Property Address	3228 ZONE AVE, TOLEDO, OH 43617-1070
Document Number	0000009066
Instrument Date	Mar 22, 2024
Instrument	202403260009066
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	AREA TITLE AGENCY

Transaction

Amount	Amount Recorded
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	3228 ZONE AVE, TOLEDO, OH 43617-1070

Mortgage

Document Number	0000009067
Date	Mar 26, 2024
Instrument	202403260009067

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Mortgage

Document Number	0000009067
Date	Mar 26, 2024
Instrument	20240326-0009067

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	7 EASTON OVAL, COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

February 2018: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LUCAS OH
Recording Date	Feb 23, 2018
Property Address	3228 ZONE AVE, TOLEDO, OH 43617-1070
Document Number	0000007194
Map Reference	VOL41 PG21
Instrument Date	Feb 20, 2018
Instrument	201802230007194
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	LIBERTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
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	3228 ZONE AVE, TOLEDO, OH 43617-1070

Mortgage

Document Number	0000007195
Date	Feb 23, 2018
Instrument	201802230007195

Lender

Name	EQUITY RESOURCES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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		$44,240 (-) Land $10,150 Building $34,090	$126,400 (-) Land $29,000 Building $97,400
2024	$2,806.00 (+26.62%)	$44,240 (+52.66%) Land $10,150 Building $34,090	$126,400 (+52.66%) Land $29,000 Building $97,400
2023	$2,216.00 (+0.18%)	$28,980 (-) Land $8,995 Building $19,985
2022	$2,212.00 Homeowner's exemption	$28,980 Land $8,995 Building $19,985
2021			$82,800 Land $25,700 Building $57,100

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	Not rated no burnable land within 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 238 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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