439 Hayes Rd, Toledo, OH 43615 Property Records

Lucas County property record for 439 Hayes Rd, Toledo, OH 43615

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,424 sqft · built 1989
Lot Size	0.503 acres (21,900 sqft)
Owner	Individual Name on Record
Last Sale	$45,100 (Mar 2009)
Tax Bill	$1,844 (2024)
Deeds & Mortgages	Jun 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-48797`

Property Details

APN / Parcel Number

Primary APN	`20-48797`
Alternative APN	`05547005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,424 sqft Living Area
Gross Area	1,944 sqft
1st Floor Area	1,424 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Metal
Foundation Type	Raised
Lot Area	21,900 sqft (0.503 acres)
Lot Dimensions	306 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	439 HAYES RD
City	TOLEDO
State	OH
Zip	43615-4903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10-RS6
Legal Description	OAK GROVE LOT 47 N 1/2
Legal Subdivision	OAK GROVE
Legal Tract	86
Legal Lot Number	47
Jurisdiction	LUCAS OH
Township / Civil Division	TOLEDO
Census Block Group	1
Census Block	1001
Census Tract	8602

Owner

Source: Lucas County records, as of July 13, 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	439 HAYES RD, TOLEDO, OH 43615-4903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2009 · Amount on Record
Deed Sale	Mar 20, 2009 · Amount on Record
Prior Sale	Feb 5, 2009 · Amount on Record
Deed Document Number	200912464
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	439 HAYES RD, TOLEDO, OH 43615-4903
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 HAYES RD, TOLEDO, OH 43615-4903

Mortgage

Document Number	0000025670
Date	Jun 7, 2022
Instrument	202206070025670

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Lucas County assessment roll, as of December 30, 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	Homeowner's exemption	$32,410 (-) Land $7,420 Building $24,990	$92,600 (-) Land $21,200 Building $71,400
2024	$1,844.00 (-12.36%) Homeowner's exemption	$32,410 (+4.28%) Land $7,420 Building $24,990	$92,600 (+4.28%) Land $21,200 Building $71,400
2023	$2,104.00 (+55.05%)	$31,080 (-) Land $6,475 Building $24,605
2022	$1,357.00 Homeowner's exemption	$31,080 Land $6,475 Building $24,605
2021			$88,800 Land $18,500 Building $70,300

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 July 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

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.

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 359 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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