3530 River Rd, Toledo, OH 43614 Property Records

Lucas County property record for 3530 River Rd, Toledo, OH 43614

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 3,016 sqft · built 1919
Lot Size	0.296 acres (12,900 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (May 2022)
Tax Bill	$4,222 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-07604`

Property Details

APN / Parcel Number

Primary APN	`03-07604`
Alternative APN	`06006028`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,016 sqft Total Area
1st Floor Area	1,508 sqft
2nd Floor Area	1,508 sqft
Basement Area	1,508 sqft

Exterior

Year Built	Built 1919
Architectural Style	Duplex Single
Exterior Material	Wood
Lot Area	12,900 sqft (0.296 acres)
Lot Dimensions	257 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3530 RIVER RD
City	TOLEDO
State	OH
Zip	43614-4326
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	10-RS9
Legal Description	CENTRAL GROVE LOT 9 S 50 FT EXC W 200 FTE OF ISLAND AVE & EX
Legal Subdivision	CENTRAL GROVE
Legal Lot Number	9
Jurisdiction	LUCAS OH
Township / Civil Division	TOLEDO
Census Block Group	2
Census Block	2016
Census Tract	4501

Owner

Source: Lucas County records · APN 03-07604

Assessment roll updated August 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3530 RIVER RD, TOLEDO, OH 43614-4326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 17, 2022 · Amount on Record
Deed Sale	May 17, 2022 · Amount on Record
Prior Sale	Oct 01, 2010 · Amount on Record
Deed Document Number	202205170022386
Record Updated	Jun 08, 2026

May 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LUCAS OH
Recording Date	May 17, 2022
Property Address	3530 RIVER RD, TOLEDO, OH 43614-4326
Document Number	0000022386
Map Reference	VOL 6 PG 19
Instrument Date	May 13, 2022
Instrument	202205170022386
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	LOUISVILLE, LOUISVILLE TTL AGCY FOR NW O

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	3530 RIVER RD, TOLEDO, OH 43614-4326

Mortgage

Document Number	0000022387
Date	May 17, 2022
Instrument	202205170022387

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

Source: Lucas County records · Assessment roll updated August 1, 2025 · Last verified February 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,222.00 (+3.68%)	$71,050 (-) Land $16,555 Building $54,495
2024	$4,072.00 (+8.76%)	$71,050 (+23.4%) Land $16,555 Building $54,495	$203,000 (+23.4%) Land $47,300 Building $155,700
2023	$3,744.00 (+3.86%)	$57,575 (-) Land $12,950 Building $44,625
2022	$3,605.00 Homeowner's exemption	$57,575 Land $12,950 Building $44,625
2021			$164,500 Land $37,000 Building $127,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 20, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
BCI Mississippi Broadband Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20

May also be available: Amplex Electric.

Based on FCC filings for 252 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF TOLEDO serves 360,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.