522 N 3rd St, Toronto, OH 43964 Property Records

Jefferson County property record for 522 N 3rd St, Toronto, OH 43964

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,518 sqft · built 1920
Lot Size	0.231 acres (10,080 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Sep 2024)
Tax Bill	$2,201 (2025)
Deeds & Mortgages	May 2025 Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-02525-000`

Property Details

APN / Parcel Number

Primary APN	`19-02525-000`
Alternative APN	`02525`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	4 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,518 sqft Living Area
1st Floor Area	1,364 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Stucco
Lot Area	10,080 sqft (0.231 acres)
Lot Dimensions	126 ft deep x 80 ft wide
Garage Area	1,215 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard

Location & Zoning

Street Address	522 N 3RD ST
City	TORONTO
State	OH
Zip	43964-1520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 4 19 25 184 LAND 80X126 MAP-19-0500-00300
Jurisdiction	JEFFERSON OH
Township / Civil Division	KNOX
Census Block Group	1
Census Block	1013
Census Tract	11200

Owner

Source: Jefferson County records, as of July 7, 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	522 N 3RD ST, TORONTO, OH 43964-1520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2025	Deed of Trust, Mortgage COUNTRY CLUB GARDEN APARTMENTS LLC
Mar 4, 2026	Warranty Deed, Transfer · Conventional Mortgage POLARIS HOME FUNDING CORP
Dec 22, 2021	Certificate of Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2024 · Amount on Record
Deed Sale	Sep 20, 2024 · Amount on Record
Prior Sale	May 21, 2013
Deed Document Number	2024397858
Deed Book / Page	1530 / 5176
Prior Transfer Date	Dec 22, 2021
Prior Transfer Doc	001506/966
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON OH
Property Address	522 N 3RD ST, TORONTO, OH 43964-1520
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 N 3RD ST, TORONTO, OH 43964-1520

Mortgage

Document Number	01535/3788
Date	May 16, 2025
Book Page	1535/3788
Instrument	402899

Lender

Name	COUNTRY CLUB GARDEN APARTMENTS LLC
Type	Non-Lending Institution
Address	WEIRTON, WV 26062

Agreement

Amount	Amount Recorded

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON OH
Recording Date	Mar 4, 2026
Property Address	522 N 3RD ST, TORONTO, OH 43964-1520
Document Number	01542/3846
Book / Page	1542 / 3846
Instrument Date	Feb 27, 2026
Instrument	410600
Transaction Type	Transfer
Record Updated	Mar 24, 2026

Transaction

Amount	Amount Recorded
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	522 N 3RD ST, TORONTO, OH 43964-1520

Mortgage

Document Number	0000410601
Date	Mar 4, 2026
Instrument	410601

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

December 2021: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	JEFFERSON OH
Recording Date	Dec 22, 2021
Property Address	522 N 3RD ST, TORONTO, OH 43964-1520
Document Number	001506/966
Book / Page	1506 / 966
Instrument Date	Dec 22, 2021
Instrument	372814
Transaction Type	Transfer
Record Updated	Jan 24, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 S RIVER AVE, TORONTO, OH 43964-1959

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of April 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,201.00	$54,933 (-) Land $5,880 Building $49,053
2024	$2,201.00 (-24.42%) Homeowner's exemption	$54,933 (+26%) Land $5,880 Building $49,053	$156,950 (+26%) Land $16,800 Building $140,150
2022	$2,912.00 Homeowner's exemption	$43,596 Land $4,900 Building $38,696
2021			$124,560 Land $14,000 Building $110,560

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 April 5, 2006 · 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	8 (1978–2004)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Sep 2004 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2004 · 7 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 68% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TORONTO PWS serves 5,676 people · EPA ID OH4102811
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2018
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Jefferson County Cable Cable	400 / 40
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Smart Way Communications, Verizon, Xfinity.

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