3404 Zone Ave, Toledo, OH 43617 Property Records

Lucas County property record for 3404 Zone Ave, Toledo, OH 43617

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 2003
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$136,000 (May 2019)
Tax Bill	$3,289 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage Mar 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78-68887`

Property Details

APN / Parcel Number

Primary APN	`78-68887`
Alternative APN	`30217006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 2003
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3404 ZONE AVE
City	TOLEDO
State	OH
Zip	43617-1072
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20-RA
Legal Description	ZONE OF HEALTH LOT 100
Legal Subdivision	ZONE OF HEALTH
Legal Tract	92
Legal Lot Number	100
Jurisdiction	LUCAS OH
Township / Civil Division	SYLVANIA
Census Block Group	1
Census Block	1015
Census Tract	9206

Owner

3404 Zone Ave is owned and occupied by an individual who bought it in May 2019.

Source: Lucas County records, as of February 16, 2026

Owner of Record	Individual Name on File
Mailing Address	3404 ZONE AVE, TOLEDO, OH 43617-1072
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
May 8, 2019	Warranty Deed, Transfer · Conventional Mortgage DIRECTIONS CU
Mar 22, 2019	Deed of Trust, Mortgage · Line of Credit GENOA BKNG
May 12, 2017	Quit Claim Deed, Transfer LIBERTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2019 · Amount on File
Deed Sale	May 8, 2019 · Amount on File
Prior Sale	May 12, 2017
Deed Document Number	19103012
Record Updated	Jun 8, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	May 8, 2019
Property Address	3404 ZONE AVE, TOLEDO, OH 43617-1072
Document Number	0000016739
Instrument Date	May 3, 2019
Instrument	16739
Transaction Type	Transfer
Record Updated	Jun 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 ZONE AVE TOLEDO OH 436171072, TOLEDO, OH 43617-1072

Mortgage

Document Number	16740
Date	May 8, 2019
Instrument	16740

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 7, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	3404 ZONE AVE, TOLEDO, OH 43617-1072
Document Number	0000011219
Instrument Date	Mar 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 17, 2019
Title Company	BUCKEYE TITLE AGENCY INC, BUCKEYE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3404 ZONE AVE TOLEDO OH 436171072, TOLEDO, OH 43617-1072

Mortgage

Document Number	0000011219
Date	Mar 29, 2019
Instrument	11219

Lender

Name	GENOA BKNG
Type	Funding / Finance Company
Address	GENOA, OH 43430

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 28, 2029

Interest

Rate Type	Adjustable Rate

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUCAS OH
Recording Date	May 12, 2017
Property Address	3404 ZONE AVE, TOLEDO, OH 43617-1072
Document Number	0000019916
Instrument Date	May 5, 2017
Instrument	19916
Transaction Type	Transfer
Record Updated	Aug 9, 2017
Title Company	LIBERTY TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3404 ZONE AVE TOLEDO OH 436171072, TOLEDO, OH 43617-1072

Tax Assessment & Valuation

The 2025 property tax bill for 3404 Zone Ave was $3,289, up 5.9% from the year before.

Source: Lucas County assessment roll, as of August 1, 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	$3,289.00 (+5.93%)	$48,930 (-) Land $10,535 Building $38,395
2024	$3,105.00 (-5.22%)	$48,930 (+13.11%) Land $10,535 Building $38,395	$139,800 Land $30,100 Building $109,700
2023	$3,276.00 (+0.09%)	$43,260 (-) Land $7,700 Building $35,560
2022	$3,273.00 Homeowner's exemption	$43,260 Land $7,700 Building $35,560
2021			$123,600 Land $22,000 Building $101,600

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 3404 Zone Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3404 Zone Ave 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.

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 276 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: Spectrum.

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