5768 Spencer Ter, Middletown, OH 45044 Property Records

Butler County property record for 5768 Spencer Ter, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,718 sqft · built 2017
Lot Size	0.476 acres (20,735 sqft)
Owner	2 Individual Names on Record
Last Sale	$337,150 (Nov 2017)
Tax Bill	$6,384 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`D2020-317.000-014`

Property Details

APN / Parcel Number

Primary APN	`D2020-317.000-014`
Alternative APNs	`463759` `467614`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,718 sqft Living Area
Gross Area	2,180 sqft
1st Floor Area	1,090 sqft
Basement Area	1,107 sqft
Finished Basement	1,107 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	20,735 sqft (0.476 acres)
Lot Dimensions	207 ft deep x 100 ft wide
Garage Area	252 sqft
Parking Spaces	2 Parking Spaces
Deck Area	30 sqft
Patio Area	334 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5768 SPENCER TER
City	MIDDLETOWN
State	OH
Zip	45044-3310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	225 ENT WINDSOR ESTATES 5
Legal Subdivision	WINDSOR ESTATES
Jurisdiction	BUTLER OH
Township / Civil Division	LIBERTY
Census Block Group	1
Census Block	1002
Census Tract	11135

Owner

Source: Butler County records, as of March 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5768 SPENCER TER, MIDDLETOWN, OH 45044-3310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOMERVILLE BANK
Aug 11, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2017 · Amount on Record
Deed Sale	Nov 16, 2017 · Amount on Record
Prior Sale	Aug 11, 2017 · Amount on Record
Deed Document Number	2017-00045768
Deed Book / Page	9102 / 1428
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5768 SPENCER TER, MIDDLETOWN, OH 45044-3310
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025219
Date	Apr 30, 2021
Book Page	9643/647
Instrument	2021-00025219

Lender

Name	SOMERVILLE BANK
Type	Bank
Address	EATON, OH 45320

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Aug 11, 2017
Property Address	5768 SPENCER TER, MIDDLETOWN, OH 45044-3310
Document Number	0000031638
Book / Page	009066 / 001908
Instrument Date	Aug 7, 2017
Instrument	31638
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$216.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8622 JACQUEMIN DR WEST CHESTER OH 450694852, WEST CHESTER, OH 45069-4852
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Butler County
County Subdivision	Liberty Township
Unified School District	Lakota Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,384.00 (+4.48%)	$159,140 (-) Land $26,710 Building $132,430	$454,700 (-) Land $76,320 Building $378,380
2023	$6,110.00 (+7.04%)	$159,140 (+38.35%) Land $26,710 Building $132,430	$454,700 (+38.35%) Land $76,320 Building $378,380
2022	$5,708.00	$115,030 Land $26,710 Building $88,320
2020			$328,660 Land $76,320 Building $252,340

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

Source: FEMA National Flood Hazard Layer, effective May 31, 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	1 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	BUTLER CO. WATER DISTRICT 2 PWS serves 116,572 people · EPA ID OH0900303
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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