Defiance County property record for 431 Summit St, Defiance, OH 43512
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,528 sqft · built 1974 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $76,000 (Dec 2017) |
| Tax Bill | $1,661 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Dec 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B014146003700 |
| Primary APN | B014146003700 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| Gross Area | 2,640 sqft |
| 1st Floor Area | 886 sqft |
| Upper Floors Area | 642 sqft |
| Basement Area | 428 sqft |
| Unfinished Basement | 428 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 132 ft deep x 33 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 226 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 431 SUMMIT ST |
|---|---|
| City | DEFIANCE |
| State | OH |
| Zip | 43512-2238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST DEFIANCE LOT 3 PT |
| Legal Subdivision | EAST DEFIANCE |
| Legal Lot Number | 3 |
| Jurisdiction | DEFIANCE OH |
| Township / Civil Division | DEFIANCE |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 958800 |
Source: Defiance County records, as of October 2, 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 | 431 SUMMIT ST, DEFIANCE, OH 43512-2238 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 6, 2022 | Warranty Deed, Transfer · USDA Mortgage THE STATE BANK & TRUST CO |
| Dec 22, 2017 | Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK OF THE MIDWEST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2017 · Amount on Record |
| Deed Sale | Dec 22, 2017 · Amount on Record |
| Prior Sale | Dec 16, 2016 · Amount on Record |
| Deed Document Number | 20175440 |
| Deed Book / Page | 408 / 2874 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Recording Date | Jan 6, 2022 |
| Property Address | 431 SUMMIT ST, DEFIANCE, OH 43512-2238 |
| Document Number | 00445/1362 |
| Book / Page | 445 / 1362 |
| Instrument Date | Jan 6, 2022 |
| Instrument | 202200000075 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 431 SUMMIT ST, DEFIANCE, OH 43512-2238 |
| Document Number | 202200000076 |
|---|---|
| Date | Jan 6, 2022 |
| Instrument | 202200000076 |
| Name | THE STATE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Recording Date | Dec 22, 2017 |
| Property Address | 431 SUMMIT ST, DEFIANCE, OH 43512-2238 |
| Document Number | 408/2874 |
| Book / Page | 408 / 2874 |
| Instrument Date | Dec 21, 2017 |
| Instrument | 201700005440 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $304.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 431 SUMMIT ST, DEFIANCE, OH 43512-2238 |
| Document Number | 201700005441 |
|---|---|
| Date | Dec 22, 2017 |
| Instrument | 201700005441 |
| Name | FIRST FEDERAL BANK OF THE MIDWEST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
Source: Defiance County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Defiance County |
| County Subdivision | Defiance Township |
| Municipality | Defiance City |
| Unified School District | Defiance City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,661.00 | $42,520 (-) Land $2,120 Building $40,400 | |
| 2024 | $1,661.00 (+1.16%) | $42,520 (-) Land $2,120 Building $40,400 | $121,470 (-0.01%) Land $6,050 Building $115,420 |
| 2023 | $1,642.00 (+53.6%) | $42,520 (+70.76%) Land $2,120 Building $40,400 | $121,485 (+70.74%) Land $6,057 Building $115,428 |
| 2022 | $1,069.00 | $24,900 Land $2,070 Building $22,830 | |
| 2020 | $71,150 Land $5,920 Building $65,230 |
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.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · 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 Policies | 8 in force |
| Nearby Flood Claims | 178 (1978–2015) |
| Claims Outside the SFHA | 1 of 178 |
| Most Recent Claim | Jun 2015 · river or lake flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Omni Fiber Fiber | 10,000 / 10,000 |
| 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 |
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