5788 Spencer Ter, Middletown, OH 45044 Property Records

Butler County property record for 5788 Spencer Ter, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,717 sqft · built 2018
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$333,060 (Apr 2018)
Tax Bill	$5,409 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D2020-317.000-012`

Property Details

APN / Parcel Number

Primary APN	`D2020-317.000-012`
Alternative APNs	`336700` `339640`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,717 sqft Living Area
Gross Area	2,172 sqft
1st Floor Area	1,086 sqft

Exterior

Year Built	Built 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	211 ft deep x 132 ft wide
Garage Area	80 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5788 SPENCER TER
City	MIDDLETOWN
State	OH
Zip	45044-3310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	223 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

5788 Spencer Ter is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5788 SPENCER TER, MIDDLETOWN, OH 45044-3310
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 18, 2018	Limited Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2018 · Amount on File
Deed Sale	Apr 18, 2018 · Amount on File
Prior Sale	Jan 12, 2018 · Amount on File
Deed Document Number	2018-00014013
Deed Book / Page	9151 / 1659
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5788 SPENCER TER, MIDDLETOWN, OH 45044-3310
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	NOT AVAILABLE, DOMA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5728 SPENCER TER, MIDDLETOWN, OH 45044-3310

Mortgage

Document Number	0000036106
Date	Aug 16, 2022
Book Page	9886/646
Instrument	2022-00036106

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5788 SPENCER TER, MIDDLETOWN, OH 45044-3310
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030701
Date	May 27, 2021
Book Page	9659/247
Instrument	2021-00030701

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	330 Months
Due	Nov 1, 2048

April 2018: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Apr 18, 2018
Property Address	5788 SPENCER TER, MIDDLETOWN, OH 45044-3310
Document Number	0000014013
Book / Page	9151 / 1659
Map Reference	OR 8963 PG 1762-1764
Instrument Date	Apr 13, 2018
Instrument	2018-00014013
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$999.30
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	5788 SPENCER TER, LIBERTY TOWNSHIP, OH 45044-3310

Mortgage

Document Number	0000014014
Date	Apr 18, 2018
Instrument	2018-00014014

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5788 Spencer Ter was $5,409.

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	$5,409.00	$134,840 Land $27,500 Building $107,340	$385,250 Land $78,560 Building $306,690
2023	$5,177.00 (+4.27%)	$134,840 (+35.02%) Land $27,500 Building $107,340	$385,250 Land $78,560 Building $306,690
2022	$4,965.00	$99,870 Land $27,500 Building $72,370
2020			$285,320 Land $78,560 Building $206,760

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

FEMA maps place 5788 Spencer Ter in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5788 Spencer Ter is low, with less than a 0.01% annual chance of 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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