5828 Spencer Ter, Middletown, OH 45044 Property Records

Butler County property record for 5828 Spencer Ter, Middletown, OH 45044

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,734 sqft · built 2017
Lot Size	0.505 acres (21,998 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jan 2021)
Tax Bill	$6,107 (2025)
Deeds & Mortgages	Jan 2021 Sale & Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D2020-317.000-009`

Property Details

APN / Parcel Number

Primary APN	`D2020-317.000-009`
Alternative APNs	`20173` `20461`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,734 sqft Living Area
Gross Area	2,216 sqft
1st Floor Area	1,108 sqft
Basement Area	1,025 sqft
Finished Basement	1,025 sqft

Exterior

Year Built	Built 2017
Architectural Style	Colonial
Exterior Material	Combination
Lot Area	21,998 sqft (0.505 acres)
Lot Dimensions	193 ft deep x 42.9 ft wide
Garage Area	232 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5828 SPENCER TER
City	MIDDLETOWN
State	OH
Zip	45044-3288
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	220 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

5828 Spencer Ter is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5828 SPENCER TER, MIDDLETOWN, OH 45044-3288
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
Jan 8, 2021	Warranty Deed, Transfer · Line of Credit GUARANTEED RATE INC
Dec 13, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Sep 28, 2017	Limited Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2021 · Amount on File
Deed Sale	Jan 8, 2021 · Amount on File
Prior Sale	Dec 13, 2019
Deed Document Number	0000001278
Deed Book / Page	9571 / 769
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Jan 8, 2021
Property Address	5828 SPENCER TER, MIDDLETOWN, OH 45044-3288
Document Number	0000001278
Book / Page	9571 / 769
Map Reference	MB 6963 PG 1762
Instrument Date	Dec 18, 2020
Instrument	2021-00001278
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	$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

Mortgage

Document Number	0009571772
Date	Jan 8, 2021
Instrument	9571/772

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUTLER OH
Recording Date	Dec 13, 2019
Property Address	5828 SPENCER TER, MIDDLETOWN, OH 45044-3288
Document Number	0000049018
Book / Page	9379 / 0157
Map Reference	MB 8963 PG 1762-1764
Instrument Date	Nov 27, 2019
Instrument	2019-00049018
Transaction Type	Transfer
Record Updated	Feb 14, 2022

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
Address	5828 SPENCER TER, MIDDLETOWN, OH 45044-3288

Mortgage

Document Number	0000049019
Date	Dec 13, 2019
Instrument	2019-00049019

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

September 2017: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Sep 28, 2017
Property Address	5828 SPENCER TER, MIDDLETOWN, OH 45044-3288
Document Number	0000038468
Book / Page	9084 / 0910
Map Reference	OR 8963 P G1762-1764
Instrument Date	Sep 20, 2017
Instrument	2017-00038468
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	$1,057.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5828 SPENCER TER, LIBERTY TOWNSHIP, OH 45044-3288

Mortgage

Document Number	0000038469
Date	Sep 28, 2017
Instrument	2017-00038469

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5828 Spencer Ter was $6,107.

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	$6,107.00	$152,240 Land $22,960 Building $129,280	$434,950 Land $65,590 Building $369,360
2023	$5,845.00 (+8.64%)	$152,240 (+40.53%) Land $22,960 Building $129,280	$434,950 Land $65,590 Building $369,360
2022	$5,380.00	$108,330 Land $22,960 Building $85,370
2020			$309,490 Land $65,590 Building $243,900

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 5828 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 5828 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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 (outdoors only) and 4G LTE

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