609 Main St, Toronto, OH 43964 Property Records

Jefferson County property record for 609 Main St, Toronto, OH 43964

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 984 sqft · built 1870
Lot Size	0.141 acres (6,160 sqft)
Owner	2 Individual Names on File
Last Sale	$163,050 (Sep 2025)
Tax Bill	$1,836 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-00767-000`

Property Details

APN / Parcel Number

Primary APN	`13-00767-000`
Alternative APN	`00767`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
1st Floor Area	984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Conventional
Exterior Material	Other
Lot Area	6,160 sqft (0.141 acres)
Lot Dimensions	88 ft deep x 70 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard

Location & Zoning

Street Address	609 MAIN ST
City	TORONTO
State	OH
Zip	43964-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 2 FINDLEY PT 70X88 MAP-13-10A0-01200
Legal Subdivision	FINDLEYS ADDITION
Jurisdiction	JEFFERSON OH
Township / Civil Division	ISLAND CREEK
Census Block Group	1
Census Block	1000
Census Tract	11300

Owner

609 Main St is owned and occupied by two individuals who bought it in September 2025.

Source: Jefferson County records, as of July 20, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	609 MAIN ST, TORONTO, OH 43964-1429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
Sep 22, 2025	Warranty Deed, Transfer · FHA Mortgage POLARIS HOME FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2025 · Amount on File
Deed Sale	Sep 22, 2025 · Amount on File
Prior Sale	Jan 2, 2025 · Amount on File
Deed Document Number	2025406196
Deed Book / Page	1538 / 3980
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON OH
Property Address	609 MAIN ST, TORONTO, OH 43964-1429
Transaction Type	Mortgage
Record Updated	Oct 7, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 MAIN ST, TORONTO, OH 43964-1429

Mortgage

Document Number	01509/3858
Date	Apr 18, 2022
Book Page	1509/3858
Instrument	376013

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 1, 2062

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON OH
Recording Date	Sep 22, 2025
Property Address	609 MAIN ST, TORONTO, OH 43964-1429
Document Number	01538/3980
Book / Page	1538 / 3980
Map Reference	CAB D SL 12
Instrument Date	Sep 18, 2025
Instrument	406196
Transaction Type	Transfer
Record Updated	Oct 7, 2025
Title Company	NORWEST TITLE, NORTHWEST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	609 MAIN ST, TORONTO, OH 43964-1429

Mortgage

Document Number	0000406197
Date	Sep 22, 2025
Instrument	406197

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 609 Main St was $1,836, down 35.7% from the year before.

Source: Jefferson County assessment roll, as of April 7, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Jefferson County
County Subdivision	Island Creek Township
Municipality	Toronto City
Unified School District	Toronto City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,836.00 (-35.71%)	$45,049 (-) Land $5,093 Building $39,956
2024	$2,856.00	$45,049 Land $5,093 Building $39,956	$128,710 Land $14,550 Building $114,160
2022	$2,268.00	$33,958 Land $4,309 Building $29,649
2021			$97,020 Land $12,310 Building $84,710

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 609 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

Source: FEMA National Flood Hazard Layer, effective April 5, 2006 · 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 Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2014

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 609 Main St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	TORONTO PWS serves 5,676 people · EPA ID OH4102811
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Jefferson County Cable Cable	400 / 40

May also be available: AT&T, T-Mobile, Verizon, Xfinity.

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