5775 Spencer Ter, Middletown, OH 45044 Property Records

Butler County property record for 5775 Spencer Ter, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,788 sqft · built 2017
Lot Size	0.517 acres (22,564 sqft)
Owner	Individual Name on Record
Last Sale	$366,735 (Jan 2018)
Tax Bill	$6,816 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D2020-317.000-002`

Property Details

APN / Parcel Number

Primary APN	`D2020-317.000-002`
Alternative APNs	`336691` `339631`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,788 sqft Living Area
Gross Area	2,360 sqft
1st Floor Area	1,180 sqft
Basement Area	1,013 sqft
Finished Basement	1,013 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Colonial
Exterior Material	Combination
Lot Area	22,564 sqft (0.517 acres)
Lot Dimensions	226 ft deep x 100 ft wide
Garage Area	212 sqft
Parking Spaces	3 Parking Spaces
Deck Area	84 sqft
Patio Area	391 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5775 SPENCER TER
City	MIDDLETOWN
State	OH
Zip	45044-3271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	213 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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5775 SPENCER TER, MIDDLETOWN, OH 45044-3271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jan 22, 2018	Limited Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2018 · Amount on Record
Deed Sale	Jan 22, 2018 · Amount on Record
Prior Sale	Oct 6, 2017 · Amount on Record
Deed Document Number	2018-00002429
Deed Book / Page	9123 / 1493
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5775 SPENCER TER, MIDDLETOWN, OH 45044-3271
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AGILITY CLOSING & TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013509
Date	Apr 1, 2020
Book Page	9421/983
Instrument	2020-00013509

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

January 2018: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Jan 22, 2018
Property Address	5775 SPENCER TER, MIDDLETOWN, OH 45044-3271
Document Number	0000002429
Book / Page	9123 / 1493
Map Reference	OR 8963 PG 1762-1764
Instrument Date	Jan 11, 2018
Instrument	2018-00002429
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,098.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5775 SPENCER TER, LIBERTY TOWNSHIP, OH 45044-3271

Mortgage

Document Number	0000002430
Date	Jan 22, 2018
Instrument	2018-00002430

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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	$6,816.00 (+4.48%)	$169,910 (-) Land $28,080 Building $141,830	$485,480 (-) Land $80,240 Building $405,240
2023	$6,524.00 (+7.28%)	$169,910 (+38.54%) Land $28,080 Building $141,830	$485,480 (+38.55%) Land $80,240 Building $405,240
2022	$6,081.00	$122,640 Land $28,080 Building $94,560
2020			$350,410 Land $80,240 Building $270,170

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 93% of the US · lower than 68% 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 and 4G LTE (outdoors only)

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