Lucas County property record for 628 Richards Rd, Toledo, OH 43607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,558 sqft · built 1948 |
| Lot Size | 0.298 acres (13,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $118,000 (Oct 2020) |
| Tax Bill | $1,947 (2024) |
| Deeds & Mortgages | Aug 2026 Mortgage Dec 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-51204 |
| Primary APN | 20-51204 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,558 sqft Living Area |
| Gross Area | 3,108 sqft |
| 1st Floor Area | 1,090 sqft |
| Attic | Attic |
| Attic Area | 936 sqft |
| Basement Area | 1,082 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Metal |
| Lot Area | 13,000 sqft (0.298 acres) |
| Lot Dimensions | 129 ft deep x 101 ft wide |
| View / Lot | Secondary |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 628 RICHARDS RD |
|---|---|
| City | TOLEDO |
| State | OH |
| Zip | 43607-2276 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10-RS6 |
| Legal Description | MOUNT VERNON LOT 378 N 7 FT & 379 & 380& S 10.50 FT 381 |
| Legal Subdivision | MOUNT VERNON |
| Legal Tract | 74 |
| Legal Lot Number | 378 |
| Jurisdiction | LUCAS OH |
| Township / Civil Division | TOLEDO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 7402 |
628 Richards Rd is owned and occupied by an individual who bought it in October 2020.
Source: Lucas County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 628 RICHARDS RD, TOLEDO, OH 43607-2276 |
| 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.
| Date | Document |
|---|---|
| Aug 21, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Dec 1, 2023 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Feb 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Oct 23, 2020 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2020 · Amount on File |
| Deed Sale | Oct 23, 2020 · Amount on File |
| Deed Document Number | 202047416 |
| Prior Transfer Date | Sep 24, 2020 |
| Prior Transfer Doc | 0000042723 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Recording Date | Aug 21, 2026 |
| Property Address | 628 RICHARDS RD, TOLEDO, OH 43607-2276 |
| Document Number | 0000032986 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202632986 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 628 RICHARDS RD, TOLEDO, OH 43607-2276 |
| Document Number | 0000032986, |
|---|---|
| Date | Aug 21, 2026 |
| Instrument | 202632986 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 291 Months |
| Due | Nov 1, 2050 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Property Address | 628 RICHARDS RD, TOLEDO, OH 43607-2276 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 628 RICHARDS RD, TOLEDO, OH 43607-2276 |
| Document Number | 0000039064 |
|---|---|
| Date | Dec 1, 2023 |
| Instrument | 202312010039064 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 323 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Property Address | 628 RICHARDS RD, TOLEDO, OH 43607-2276 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 628 RICHARDS RD, TOLEDO, OH 43607-2276 |
| Document Number | 0000005550 |
|---|---|
| Date | Feb 27, 2023 |
| Instrument | 202302270005550 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 333 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUCAS OH |
| Recording Date | Oct 23, 2020 |
| Property Address | 628 RICHARDS RD, TOLEDO, OH 43607-2276 |
| Document Number | 0000047416 |
| Instrument Date | Oct 15, 2020 |
| Instrument | 202010230047416 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2022 |
| Title Company | LOUISVILLE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 628 RICHARDS RD, TOLEDO, OH 43607-2276 |
| Document Number | 0000047417 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 202010230047417 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
Source: Lucas County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lucas County |
| Municipality | Toledo City |
| Unified School District | Toledo City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $34,230 (-) Land $11,305 Building $22,925 | $97,800 (-) Land $32,300 Building $65,500 | |
| 2024 | $1,947.00 (-2.11%) | $34,230 (+24.74%) Land $11,305 Building $22,925 | $97,800 Land $32,300 Building $65,500 |
| 2023 | $1,989.00 (+1.38%) | $27,440 (-) Land $9,520 Building $17,920 | |
| 2022 | $1,962.00 Homeowner's exemption | $27,440 Land $9,520 Building $17,920 | |
| 2021 | $78,400 Land $27,200 Building $51,200 |
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.
FEMA maps place 628 Richards Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 20, 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 | 2 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.
The area around 628 Richards Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF TOLEDO serves 360,000 people · EPA ID OH4801411 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Mar 2023 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 572 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Buckeye Cablesystem Cable | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
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