412 N 3rd St, Toronto, OH 43964 Property Records

Jefferson County property record for 412 N 3rd St, Toronto, OH 43964

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,668 sqft · built 1920
Lot Size	0.149 acres (6,480 sqft)
Owner	Individual Name on Record
Tax Bill	$1,156 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-02478-000`

Property Details

APN / Parcel Number

Primary APN	`19-02478-000`
Alternative APN	`02478`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,668 sqft Living Area
1st Floor Area	900 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Other
Lot Area	6,480 sqft (0.149 acres)
Lot Dimensions	120 ft deep x 54.3 ft wide
Garage Area	400 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard

Location & Zoning

Street Address	412 N 3RD ST
City	TORONTO
State	OH
Zip	43964-1518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 FREEMANS 2ND 54.25X120 MAP-19-0500-01000
Legal Subdivision	FREEMANS SECOND ADDITION
Jurisdiction	JEFFERSON OH
Township / Civil Division	KNOX
Census Block Group	1
Census Block	1019
Census Tract	11200

Owner

Source: Jefferson County records, as of July 7, 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 Record
Mailing Address	412 N 3RD ST, TORONTO, OH 43964-1518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
May 23, 2018	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON OH
Property Address	412 N 3RD ST, TORONTO, OH 43964-1518
Transaction Type	Mortgage
Record Updated	Aug 23, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 N 3RD ST, TORONTO, OH 43964-1518

Mortgage

Document Number	1494/734
Date	Aug 4, 2021
Book Page	1494/734
Instrument	368300

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Jun 1, 2048

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON OH
Property Address	412 N 3RD ST, TORONTO, OH 43964-1518
Transaction Type	Mortgage
Record Updated	Aug 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1305/875
Date	May 23, 2018
Book Page	1305/875
Instrument	332966

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Mortgage Company
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of April 7, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Jefferson County
County Subdivision	Knox Township
Municipality	Toronto City
Unified School District	Toronto City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,156.00	$28,210 (-) Land $3,857 Building $24,353
2024	$1,156.00 (-22%)	$28,210 (+27.05%) Land $3,857 Building $24,353	$80,600 (+27.05%) Land $11,020 Building $69,580
2022	$1,482.00	$22,204 Land $3,213 Building $18,991
2021			$63,440 Land $9,180 Building $54,260

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 5, 2006 · 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	8 (1978–2004)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Sep 2004 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2004 · 7 claims

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	Low lower than 93% of the US · lower than 68% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TORONTO PWS serves 5,676 people · EPA ID OH4102811
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2018
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Jefferson County Cable Cable	400 / 40
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Smart Way Communications, Verizon, Xfinity.

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