5778 Spencer Ter, Middletown, OH 45044 Property Records

Butler County property record for 5778 Spencer Ter, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,432 sqft · built 2017
Lot Size	0.483 acres (21,083 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Jul 2020)
Tax Bill	$5,640 (2025)
Deeds & Mortgages	Jul 2020 Sale Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D2020-317.000-013`

Property Details

APN / Parcel Number

Primary APN	`D2020-317.000-013`
Alternative APNs	`273493` `275917`

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	2,432 sqft Living Area
Gross Area	1,864 sqft
1st Floor Area	932 sqft
Basement Area	636 sqft
Finished Basement	636 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	21,083 sqft (0.483 acres)
Lot Dimensions	210 ft deep x 98.1 ft wide
Parking Spaces	2 Parking Spaces
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5778 SPENCER TER
City	MIDDLETOWN
State	OH
Zip	45044-3310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	224 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	5778 SPENCER TER, MIDDLETOWN, OH 45044-3310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2020	Warranty Deed, Transfer LANDSEL TITLE AGENCY INC
Nov 30, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage NVR MTG FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2020 · Amount on Record
Deed Sale	Jul 1, 2020 · Amount on Record
Prior Sale	Nov 30, 2017 · Amount on Record
Deed Document Number	0000027671
Deed Book / Page	9465 / 1243
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Jul 1, 2020
Property Address	5778 SPENCER TER, MIDDLETOWN, OH 45044-3310
Document Number	0000027671
Book / Page	9465 / 1243
Map Reference	MB 8963 PG 1762-1764
Instrument Date	May 22, 2020
Instrument	2020-00027671
Transaction Type	Transfer
Record Updated	Feb 14, 2022
Title Company	LANDSEL TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5778 SPENCER TER, LIBERTY TOWNSHIP, OH 45044-3310

November 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	BUTLER OH
Recording Date	Nov 30, 2017
Property Address	5778 SPENCER TER, MIDDLETOWN, OH 45044-3310
Document Number	0000047446
Book / Page	009107 / 000279
Instrument Date	Nov 21, 2017
Instrument	47446
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$965.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5778 SPENCER TER LIBERTY TOWNSHIP OH 450443310, LIBERTY TOWNSHIP, OH 45044-3310

Mortgage

Document Number	47447
Date	Nov 30, 2017
Book Page	009107/000281
Instrument	47447

Lender

Name	NVR MTG FIN
Type	Mortgage Company
Address	CANONSBURG, PA 15317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2047

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	$5,640.00 (+4.48%)	$140,600 (-) Land $26,970 Building $113,630	$401,740 (-) Land $77,070 Building $324,670
2023	$5,398.00 (+6.57%)	$140,600 (+37.95%) Land $26,970 Building $113,630	$401,740 (+37.96%) Land $77,070 Building $324,670
2022	$5,065.00	$101,920 Land $26,970 Building $74,950
2020			$291,210 Land $77,070 Building $214,140

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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