5818 Spencer Ter, Middletown, OH 45044 Property Records

Butler County property record for 5818 Spencer Ter, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,438 sqft · built 2017
Lot Size	0.46 acres (20,081 sqft)
Owner	Individual Name on Record
Last Sale	$402,200 (Aug 2017)
Tax Bill	$6,744 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D2020-317.000-010`

Property Details

APN / Parcel Number

Primary APN	`D2020-317.000-010`
Alternative APNs	`20176` `20464`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,438 sqft Living Area
Gross Area	2,804 sqft
1st Floor Area	1,402 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	20,081 sqft (0.46 acres)
Lot Dimensions	182 ft deep x 95.9 ft wide
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5818 SPENCER TER
City	MIDDLETOWN
State	OH
Zip	45044-3288
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	221 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	5818 SPENCER TER, MIDDLETOWN, OH 45044-3288
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Aug 9, 2017	Limited Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2017 · Amount on Record
Deed Sale	Aug 9, 2017 · Amount on Record
Prior Sale	Apr 20, 2017 · Amount on Record
Deed Document Number	2017-00031177
Deed Book / Page	9065 / 1585
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5818 SPENCER TER, MIDDLETOWN, OH 45044-3288
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050458
Date	Oct 27, 2020
Book Page	9532/1738
Instrument	2020-00050458

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

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

August 2017: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Aug 9, 2017
Property Address	5818 SPENCER TER, MIDDLETOWN, OH 45044-3288
Document Number	0000031177
Book / Page	9065 / 1585
Map Reference	OR 8963 PG 1762-1764
Instrument Date	Aug 2, 2017
Instrument	2017-00031177
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,206.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5818 SPENCER TERRACE, MIDDLETOWN, OH 45044-3288

Mortgage

Document Number	0000031178
Date	Aug 9, 2017
Instrument	2017-00031178

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 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	$6,744.00 (+4.48%)	$168,130 (-) Land $26,220 Building $141,910	$480,380 (-) Land $74,920 Building $405,460
2023	$6,455.00 (+5.44%)	$168,130 (+36.16%) Land $26,220 Building $141,910	$480,380 (+36.16%) Land $74,920 Building $405,460
2022	$6,122.00	$123,480 Land $26,220 Building $97,260
2020			$352,810 Land $74,920 Building $277,890

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)

Nearby Properties on Spencer Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures