4232 River Rd, Toledo, OH 43614 Property Records

Lucas County property record for 4232 River Rd, Toledo, OH 43614

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,762 sqft · built 1965
Lot Size	1.11 acres (48,700 sqft)
Owner	Individual Name on File
Last Sale	$805,000 (Oct 2025)
Tax Bill	$11,699 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-20904`

Property Details

APN / Parcel Number

Primary APN	`03-20904`
Alternative APN	`06013004`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,762 sqft Living Area
1st Floor Area	2,817 sqft
2nd Floor Area	1,705 sqft
Upper Floors Area	1,059 sqft
Attic	Attic
Attic Area	480 sqft
Basement Area	1,014 sqft

Exterior

Year Built	Built 1965
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Raised
Lot Area	48,700 sqft (1.11 acres)
Lot Width	138 ft Width
Garage Type	Attached
Garage Area	984 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	56 sqft
Deck Area	1,960 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4232 RIVER RD
City	TOLEDO
State	OH
Zip	43614-5528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10-RS9
Legal Description	AMEND PL COPLAND HTS LOTS 82 83 86 & 87 NE 130.54 FT FRT BY 156.20
Legal Subdivision	AMEND PLACE COPLAND HEIGHTS
Legal Lot Number	82,83 83
Jurisdiction	LUCAS OH
Township / Civil Division	TOLEDO
Census Block Group	3
Census Block	3006
Census Tract	4504

Owner

4232 River Rd is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4232 RIVER RD, TOLEDO, OH 43614-5528
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
Dec 2, 2022	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Oct 21, 2025	Warranty Deed, Transfer · Conventional Mortgage SECURE CHOICE LENDING
Oct 8, 2021	Warranty Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2025 · Amount on File
Deed Sale	Oct 21, 2025 · Amount on File
Prior Sale	Oct 8, 2021 · Amount on File
Deed Document Number	202510210037848
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	4232 RIVER RD, TOLEDO, OH 43614-5528
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4232 RIVER RD, TOLEDO, OH 43614-5528
Investor	Possibly a Property Investor

Mortgage

Document Number	0000051367
Date	Dec 2, 2022
Instrument	202212020051367

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	NASHVILLE, TN 37203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	464 Months
Due	Aug 1, 2061

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Oct 21, 2025
Property Address	4232 RIVER RD, TOLEDO, OH 43614-5528
Document Number	0000037848
Instrument Date	Oct 10, 2025
Instrument	202510210037848
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	4232 RIVER RD, TOLEDO, OH 43614-5528

Mortgage

Document Number	0000037850
Date	Oct 21, 2025
Instrument	202510210037850

Lender

Name	SECURE CHOICE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Oct 8, 2021
Property Address	4232 RIVER RD, TOLEDO, OH 43614-5528
Document Number	0000053403
Instrument Date	Jul 26, 2021
Instrument	202110080053403
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Amount	Amount on Record
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	4232 RIVER RD, TOLEDO, OH 43614-5528

Mortgage

Document Number	0000053404
Date	Oct 8, 2021
Instrument	202110080053404

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4232 River Rd was $11,699, up 3.1% from the year before.

Source: Lucas County assessment roll, as of August 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,699.00 (+3.08%)	$199,535 (-) Land $60,270 Building $139,265
2024	$11,349.00 (+9.51%)	$199,535 (+18.77%) Land $60,270 Building $139,265	$570,100 Land $172,200 Building $397,900
2023	$10,363.00 (-0.13%)	$168,000 (-) Land $53,375 Building $114,625
2022	$10,377.00 Homeowner's exemption	$168,000 Land $53,375 Building $114,625
2021			$480,000 Land $152,500 Building $327,500

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 4232 River Rd 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
Nearby Flood Claims	2 (1978–2026)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2026 · other causes

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 4232 River Rd 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 286 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20

May also be available: Amplex Wireless.

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures