5815 Spencer Ter, Middletown, OH 45044 Property Records

Butler County property record for 5815 Spencer Ter, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,204 sqft · built 2017
Lot Size	0.898 acres (39,160 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Nov 2023)
Tax Bill	$4,298 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D2020-317.000-006`

Property Details

APN / Parcel Number

Primary APN	`D2020-317.000-006`
Alternative APNs	`20269` `20458`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,204 sqft Living Area
Gross Area	1,824 sqft
1st Floor Area	912 sqft

Exterior

Year Built	Built 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	39,160 sqft (0.898 acres)
Lot Dimensions	317 ft deep x 98.4 ft wide
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5815 SPENCER TER
City	MIDDLETOWN
State	OH
Zip	45044-3285
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	217 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	5815 SPENCER TER, MIDDLETOWN, OH 45044-3285
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Warranty Deed, Transfer · Conventional Mortgage LCNB NATIONAL BANK
Feb 13, 2018	Limited Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2023 · Amount on Record
Deed Sale	Nov 7, 2023 · Amount on Record
Prior Sale	Feb 13, 2018 · Amount on Record
Deed Document Number	0000035501
Deed Book / Page	10030 / 902
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Nov 7, 2023
Property Address	5815 SPENCER TER, MIDDLETOWN, OH 45044-3285
Document Number	0000035501
Book / Page	10030 / 902
Map Reference	MB 8963 PG 1762-1764
Instrument Date	Oct 23, 2023
Instrument	2023-00035501
Transaction Type	Transfer
Record Updated	Nov 20, 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	5815 SPENCER TER, MIDDLETOWN, OH 45044-3285

Mortgage

Document Number	0010030905
Date	Nov 7, 2023
Instrument	10030/905

Lender

Name	LCNB NATIONAL BANK
Type	Bank

Agreement

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

February 2018: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Feb 13, 2018
Property Address	5815 SPENCER TER, MIDDLETOWN, OH 45044-3285
Document Number	0000005388
Book / Page	9130 / 1741
Map Reference	MB 8963 PG 1762-1764
Instrument Date	Feb 7, 2018
Instrument	2018-00005388
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$916.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	5815 SPENCER TER, LIBERTY TOWNSHIP, OH 45044-3285

Mortgage

Document Number	0000005389
Date	Feb 13, 2018
Instrument	2018-00005389

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 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	$4,298.00 (-11.6%) Homeowner's exemption	$127,440 (+0.64%) Land $28,360 Building $99,080	$364,120 (+0.64%) Land $81,030 Building $283,090
2023	$4,862.00 (+2.94%)	$126,630 (+33.41%) Land $28,360 Building $98,270	$361,800 (+33.41%) Land $81,030 Building $280,770
2022	$4,723.00	$94,920 Land $28,360 Building $66,560
2020			$271,190 Land $81,030 Building $190,160

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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