5825 Spencer Ter, Middletown, OH 45044 Property Records

Butler County property record for 5825 Spencer Ter, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,996 sqft · built 2017
Lot Size	0.628 acres (27,399 sqft)
Owner	Individual Name on Record
Last Sale	$520,000 (Nov 2021)
Tax Bill	$8,552 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D2020-317.000-007`

Property Details

APN / Parcel Number

Primary APN	`D2020-317.000-007`
Alternative APNs	`400039` `403378`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,996 sqft Living Area
Gross Area	3,706 sqft
1st Floor Area	1,853 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Architectural Style	Colonial
Exterior Material	Combination
Lot Area	27,399 sqft (0.628 acres)
Lot Dimensions	221 ft deep x 48.9 ft wide
Garage Area	180 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5825 SPENCER TER
City	MIDDLETOWN
State	OH
Zip	45044-3285
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	218 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	5825 SPENCER TER, MIDDLETOWN, OH 45044-3285
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 24, 2021	Warranty Deed, Transfer
Jun 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2021 · Amount on Record
Deed Sale	Nov 24, 2021 · Amount on Record
Prior Sale	Jun 9, 2021
Deed Document Number	0000067058
Deed Book / Page	9766 / 810
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5825 SPENCER TER, MIDDLETOWN, OH 45044-3285
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067167
Date	Nov 24, 2021
Book Page	9766/1425
Instrument	2021-00067167

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Nov 24, 2021
Property Address	5825 SPENCER TER, MIDDLETOWN, OH 45044-3285
Document Number	0000067058
Book / Page	9766 / 810
Map Reference	MB 8963 PG 1762-1764
Instrument Date	Nov 16, 2021
Instrument	2021-00067058
Transaction Type	Transfer
Record Updated	Jan 3, 2022

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
Relationship	Right of Survivorship
Address	5825 SPENCER TER, LIBERTY TOWNSHIP, OH 45044-3285

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUTLER OH
Recording Date	Jun 9, 2021
Property Address	5825 SPENCER TER, MIDDLETOWN, OH 45044-3285
Document Number	0000033146
Book / Page	9666 / 231
Map Reference	MB 8963 PG 1762-1764
Instrument Date	May 24, 2021
Instrument	2021-00033146
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5825 SPENCER TER, MIDDLETOWN, OH 45044-3285

Mortgage

Document Number	0009666234
Date	Jun 9, 2021
Instrument	9666/234

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2041

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	$8,552.00 (+4.47%)	$213,190 (-) Land $27,270 Building $185,920	$609,100 (-) Land $77,900 Building $531,200
2023	$8,186.00 (+13.9%)	$213,190 (+46.83%) Land $27,270 Building $185,920	$609,100 (+46.83%) Land $77,900 Building $531,200
2022	$7,187.00	$145,200 Land $27,270 Building $117,930
2020			$414,840 Land $77,900 Building $336,940

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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