416 Holgate Ave, Defiance, OH 43512 Property Records

Defiance County property record for 416 Holgate Ave, Defiance, OH 43512

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,111 sqft · built 1895
Lot Size	0.501 acres (21,841 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Jan 2002)
Tax Bill	$2,735 (2025)
Deeds & Mortgages	Sep 2006 Mortgage Sep 2013 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`B012095002400`

Property Details

APN / Parcel Number

Primary APN	`B012095002400`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,111 sqft Living Area
Gross Area	7,028 sqft
1st Floor Area	1,683 sqft
Upper Floors Area	1,408 sqft
Attic	Attic
Attic Area	1,408 sqft
Basement Area	1,408 sqft
Unfinished Basement	1,408 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1955
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	21,841 sqft (0.501 acres)
Lot Dimensions	420 ft deep x 52 ft wide
Terrain	Rolling
View / Lot	Waterfront
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	232 sqft
Deck Area	162 sqft
Patio Area	594 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	416 HOLGATE AVE
City	DEFIANCE
State	OH
Zip	43512-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLGATES 1ST ADD BLOCK 1 LOT 8 PT
Legal Subdivision	HOLGATES ADD 1
Legal Block	1
Legal Lot Number	8
Jurisdiction	DEFIANCE OH
Township / Civil Division	DEFIANCE
Census Block Group	2
Census Block	2001
Census Tract	958600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Holgate Avenue Historic District listed 1990 · 31 contributing resources · NRIS 90001497

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

416 Holgate Ave is owned and occupied by an individual who acquired it in June 2021.

Source: Defiance County records, as of October 2, 2026

Owner of Record	Individual Name on File
Mailing Address	416 HOLGATE AVE, DEFIANCE, OH 43512-2034
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
Sep 18, 2006	Deed of Trust, Mortgage · Conventional Mortgage DEW DAY FINANCIAL LLC
Sep 5, 2013	Deed of Trust, Mortgage · Conventional Mortgage THE STATE BANK & TRUST CO
Jun 20, 2014	Deed of Trust, Mortgage · Line of Credit MIDWEST COMMUNITY FCU
May 27, 2025	Deed of Trust, Mortgage · Line of Credit MIDWEST COMMUNITY FCU
Jun 14, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2002 · Amount on File
Deed Sale	Jan 17, 2002 · Amount on File
Prior Sale	Nov 3, 1997
Last Transfer Date	Jun 3, 2021
Transfer Doc	000439/820
Record Updated	Oct 29, 2026

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	416 HOLGATE AVE, DEFIANCE, OH 43512-2034
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00309/2930
Date	Sep 18, 2006
Book Page	309/2930
Instrument	200600006366

Lender

Name	DEW DAY FINANCIAL LLC
Address	FULTON, MD 20759

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2036

September 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	416 HOLGATE AVE, DEFIANCE, OH 43512-2034
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00374/1490
Date	Sep 5, 2013
Book Page	374/1490
Instrument	201300004520

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2043

June 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	416 HOLGATE AVE, DEFIANCE, OH 43512-2034
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00380/1919
Date	Jun 20, 2014
Book Page	380/1919
Instrument	201400002493

Lender

Name	MIDWEST COMMUNITY FCU
Address	DEFIANCE, OH 43512

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 19, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	416 HOLGATE AVE, DEFIANCE, OH 43512-2034
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 HOLGATE AVE, DEFIANCE, OH 43512-2034

Mortgage

Document Number	00472/2429
Date	May 27, 2025
Book Page	472/2429
Instrument	202500002695

Lender

Name	MIDWEST COMMUNITY FCU
Type	Credit Union
Address	DEFIANCE, OH 43512

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 28, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	DEFIANCE OH
Recording Date	Jun 14, 2021
Property Address	416 HOLGATE AVE, DEFIANCE, OH 43512-2034
Document Number	000439/820
Book / Page	439 / 820
Instrument Date	Jun 3, 2021
Instrument	202100003219
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 HOLGATE AVE, DEFIANCE, OH 43512-2034

Tax Assessment & Valuation

The 2025 property tax bill for 416 Holgate Ave was $2,735.

Source: Defiance County assessment roll, as of October 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,735.00	$71,790 (-) Land $6,270 Building $65,520
2024	$2,735.00 (+1.18%)	$71,790 (-) Land $6,270 Building $65,520	$205,110 (%) Land $17,910 Building $187,200
2023	$2,703.00 (-10.29%)	$71,790 (-0.18%) Land $6,270 Building $65,520	$205,114 Land $17,914 Building $187,200
2022	$3,013.00	$71,920 Land $6,180 Building $65,740
2020			$205,490 Land $17,650 Building $187,840

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 416 Holgate Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Claims	21 (1978–2015)
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Mar 1982 · 2 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

Wildfire risk around 416 Holgate 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	DEFIANCE CITY serves 16,494 people · EPA ID OH2000111
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2022
Treatment and Procedure	Corrosion control Jan 2018
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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
MetaLINK Technologies Fixed Wireless · Fiber in parts of the area	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Omni Fiber.

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