5785 Spencer Ter, Middletown, OH 45044 Property Records

Butler County property record for 5785 Spencer Ter, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,032 sqft · built 2017
Lot Size	0.621 acres (27,051 sqft)
Owner	2 Individual Names on Record
Last Sale	$655,000 (Aug 2026)
Tax Bill	$7,127 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`D2020-317-000-003`

Property Details

APN / Parcel Number

Primary APN	`D2020-317-000-003`
Alternative APNs	`336694` `339634`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,032 sqft Living Area
Gross Area	4,264 sqft
1st Floor Area	1,336 sqft
Basement Area	1,162 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Frame/Masonry
Lot Area	27,051 sqft (0.621 acres)
Lot Dimensions	230 ft deep x 111 ft wide
Garage Area	535 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5785 SPENCER TER
City	MIDDLETOWN
State	OH
Zip	45044-3271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	214 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 October 13, 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	5785 SPENCER TER, MIDDLETOWN, OH 45044-3271
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Warranty Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 4, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Dec 1, 2020	Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CU
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Aug 1, 2017	Deed of Trust, Mortgage NVR MTG FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026 · Amount on Record
Deed Sale	Aug 10, 2026 · Amount on Record
Prior Sale	Dec 4, 2023 · Amount on Record
Deed Document Number	202629546
Deed Book / Page	10393 / 111
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Aug 10, 2026
Property Address	5785 SPENCER TER, MIDDLETOWN, OH 45044-3271
Document Number	0000029546
Book / Page	10393 / 111
Instrument Date	Jun 19, 2026
Instrument	202629546
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	LANDSEL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$198,465.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5785 SPENCER TER, MIDDLETOWN, OH 45044-3271

Mortgage

Document Number	0000029547,
Date	Aug 10, 2026
Instrument	202629547

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Dec 4, 2023
Property Address	5785 SPENCER TER, MIDDLETOWN, OH 45044-3271
Document Number	0000038253
Book / Page	10037 / 1466
Map Reference	MB 8963 PG 1762-1764
Instrument Date	Nov 15, 2023
Instrument	2023-00038253
Transaction Type	Transfer
Record Updated	Dec 15, 2023
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	5785 SPENCER TER, LIBERTY TOWNSHIP, OH 45044-3271
Investor	Possibly a Property Investor

Mortgage

Document Number	0100371469
Date	Dec 4, 2023
Instrument	10037/1469

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5785 SPENCER TER, MIDDLETOWN, OH 45044-3271
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056982
Date	Dec 1, 2020
Book Page	9552/843
Instrument	2020-00056982

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Nov 16, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5785 SPENCER TER, MIDDLETOWN, OH 45044-3271
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AGILITY CLOSING AND TTL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030126
Date	Jul 14, 2020
Book Page	9472/1834
Instrument	2020-00030126

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5785 SPENCER TER, MIDDLETOWN, OH 45044-3271
Document Number	0000070251
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5785 SPENCER TER LIBERTY TOWNSHIP OH 45044, LIBERTY TOWNSHIP, OH 45044

Mortgage

Document Number	0000070251
Date	Aug 9, 2017
Instrument	70251

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2047

Tax Assessment & Valuation

Source: Butler County assessment roll, as of December 30, 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	$7,127.00 (+4.59%)	$177,460 (-) Land $26,730 Building $150,730	$507,020 (-) Land $76,360 Building $430,660
2023	$6,814.00 (+7.88%)	$177,460 (+39.26%) Land $26,730 Building $150,730	$507,020 (+39.26%) Land $76,360 Building $430,660
2022	$6,316.00	$127,430 Land $26,730 Building $100,700
2020			$364,080 Land $76,360 Building $287,720

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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