Lucas County property record for 3645 Windward Dr, Sylvania, OH 43560
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,164 sqft · built 2021 |
| Lot Size | 0.364 acres (15,884 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $49,500 (Jun 2021) |
| Tax Bill | $8,938 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jun 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 77-00733 |
| Primary APN | 77-00733 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,164 sqft Living Area |
| 1st Floor Area | 2,164 sqft |
| Basement Area | 763 sqft |
| Finished Basement | 763 sqft |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Brick/Stone |
| Lot Area | 15,884 sqft (0.364 acres) |
| Lot Width | 32 ft Width |
| Garage Type | Attached |
| Garage Area | 656 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Street Address | 3645 WINDWARD DR |
|---|---|
| City | SYLVANIA |
| State | OH |
| Zip | 43560-9102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 20-R2 |
| Legal Description | WATERSIDE SYLVANIA PLAT NINE LOT 176 |
| Legal Subdivision | WATERSIDE SYLVANIA PLAT NINE |
| Legal Lot Number | 176 |
| Jurisdiction | LUCAS OH |
| Township / Civil Division | SYLVANIA |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 9204 |
3645 Windward Dr is owner-occupied and held in a trust since November 2024.
Source: Lucas County records, as of February 16, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3645 WINDWARD DR, SYLVANIA, OH 43560-9102 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 25, 2023 | Deed of Trust, Mortgage · Line of Credit THE FARMERS & MERCHANTS STATE BANK |
| Jun 7, 2021 | Survivorship Deed, Transfer LOUISVILLE TITLE AGENCY |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2021 · Amount on File |
| Deed Sale | Jun 7, 2021 · Amount on File |
| Prior Sale | Jun 7, 2021 · Amount on File |
| Deed Document Number | 0000028564 |
| Last Transfer Date | Nov 12, 2024 |
| Transfer Doc | 0000037042 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Property Address | 3645 WINDWARD DR, SYLVANIA, OH 43560-9102 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2023 |
| Title Company | LOUISVILLE TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000034831 |
|---|---|
| Date | Oct 25, 2023 |
| Instrument | 202310250034831 |
| Name | THE FARMERS & MERCHANTS STATE BANK |
|---|---|
| Type | Bank |
| Address | ARCHBOLD, OH 43502 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | LUCAS OH |
| Recording Date | Jun 7, 2021 |
| Property Address | 3645 WINDWARD DR, SYLVANIA, OH 43560-9102 |
| Document Number | 0000028564 |
| Map Reference | OR 20210423-0020447 |
| Instrument Date | May 26, 2021 |
| Instrument | 202106070028564 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2023 |
| Title Company | LOUISVILLE TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 5527 RADCLIFFE RD, SYLVANIA, OH 43560-3741 |
The 2025 property tax bill for 3645 Windward Dr was $8,938, up 4.2% from the year before.
Source: Lucas County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lucas County |
| County Subdivision | Sylvania Township |
| Unified School District | Evergreen Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,938.00 (+4.21%) | $161,420 (-) Land $24,115 Building $137,305 | |
| 2024 | $8,577.00 (+5.55%) | $161,420 (+13.74%) Land $24,115 Building $137,305 | $461,200 Land $68,900 Building $392,300 |
| 2023 | $8,126.00 (+510.52%) | $141,925 (+582.66%) Land $20,790 Building $121,135 | |
| 2022 | $1,331.00 | $20,790 Land $20,790 | |
| 2021 | $405,500 Land $59,400 Building $346,100 |
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.
FEMA maps place 3645 Windward Dr 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 |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Nearby Flood Policies | 16 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 risk around 3645 Windward Dr 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 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Buckeye Cablesystem Fiber | 10,000 / 10,000 |
| MetaLINK Technologies Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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