4554 River Rd, Toledo, OH 43614 Property Records

Lucas County property record for 4554 River Rd, Toledo, OH 43614

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,988 sqft · built 1907
Lot Size	0.417 acres (18,200 sqft)
Owner	2 Individual Names on File
Last Sale	$279,900 (Dec 2022)
Tax Bill	$5,523 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-32574`

Property Details

APN / Parcel Number

Primary APN	`03-32574`
Alternative APN	`06009080`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,988 sqft Living Area
1st Floor Area	1,206 sqft
2nd Floor Area	1,188 sqft
Attic	Attic
Attic Area	1,188 sqft
Basement Area	1,188 sqft

Exterior

Year Built	Built 1907
Architectural Style	Conventional
Exterior Material	Wood
Lot Area	18,200 sqft (0.417 acres)
Lot Dimensions	173 ft deep x 105 ft wide
Garage Type	Detached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	790 sqft
Deck Area	84 sqft

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4554 RIVER RD
City	TOLEDO
State	OH
Zip	43614-5538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10-RS9
Legal Description	CARRANOR WOODS LOT 23
Legal Subdivision	CARRANOR WOODS
Legal Lot Number	23
Jurisdiction	LUCAS OH
Township / Civil Division	TOLEDO
Census Block Group	3
Census Block	3006
Census Tract	4504

Owner

4554 River Rd is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	4554 RIVER RD, TOLEDO, OH 43614-5538
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

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 5, 2022 · Amount on File
Deed Sale	Dec 5, 2022 · Amount on File
Deed Document Number	202212050051496
Record Updated	Jun 8, 2026

December 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LUCAS OH
Recording Date	Dec 5, 2022
Property Address	4554 RIVER RD, TOLEDO, OH 43614-5538
Document Number	0000051496
Map Reference	VOL 52 PG 7
Instrument Date	Nov 17, 2022
Instrument	202212050051496
Transaction Type	Transfer
Record Updated	Dec 14, 2022

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
Relationship	Joint Tenants with Right of Survivorship
Address	4554 RIVER RD, TOLEDO, OH 43614-5538

Mortgage

Document Number	0000051497
Date	Dec 5, 2022
Instrument	202212050051497

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	1.62%
Index	Other
Margin	3
Max Rate	11.6%

Tax Assessment & Valuation

The 2025 property tax bill for 4554 River Rd was $5,523 with a homeowner's exemption, up 9.1% 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	$5,523.00 (+9.11%) Homeowner's exemption	$89,005 (-) Land $22,820 Building $66,185
2024	$5,062.00 (+0.6%) Homeowner's exemption	$89,005 (+15.8%) Land $22,820 Building $66,185	$254,300 Land $65,200 Building $189,100
2023	$5,032.00 (+11.38%) Homeowner's exemption	$76,860 (-) Land $22,085 Building $54,775
2022	$4,518.00 Homeowner's exemption	$76,860 Land $22,085 Building $54,775
2021			$219,600 Land $63,100 Building $156,500

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 4554 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

The area around 4554 River Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 97 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 · Fiber in parts of the area	1,000 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Amplex Wireless.

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