640 Holgate Ave, Defiance, OH 43512 Property Records

Defiance County property record for 640 Holgate Ave, Defiance, OH 43512

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,395 sqft · built 1887
Lot Size	0.939 acres (40,920 sqft)
Owner	Company Name on File
Last Sale	$244,500 (Oct 2018)
Tax Bill	$3,892 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jun 2017 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`B012095000700`

Property Details

APN / Parcel Number

Primary APN	`B012095000700`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	3,395 sqft Living Area
1st Floor Area	1,515 sqft
2nd Floor Area	1,515 sqft
Upper Floors Area	1,515 sqft
Attic	Attic
Attic Area	365 sqft
Basement Area	1,461 sqft

Exterior

Year Built	Built 1887
Effective Year Built	Effective 2008
Exterior Material	Brick
Construction Type	Frame
Lot Area	40,920 sqft (0.939 acres)
Lot Dimensions	620 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	372 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	232 sqft
Deck Area	392 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	640 HOLGATE AVE
City	DEFIANCE
State	OH
Zip	43512-2038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLGATES FIRST BLOCK 4 LOT 7
Legal Subdivision	HOLGATES FIRST
Legal Block	4
Legal Lot Number	7
Jurisdiction	DEFIANCE OH
Township / Civil Division	DEFIANCE
Census Block Group	2
Census Block	2001
Census Tract	958600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Holgate Avenue Historic District listed 1990 · 31 contributing resources · NRIS 90001497

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Defiance County assessment roll, as of January 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	640 HOLGATE AVE, DEFIANCE, OH 43512-2038
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 20, 2017	Deed of Trust, Mortgage · ARM PRIMELENDING
Feb 26, 2021	Quit Claim Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Oct 12, 2018	Survivorship Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 12, 2018 · Amount on Record
Deed Sale	Oct 12, 2018 · Amount on Record
Prior Sale	Oct 12, 2018 · Amount on Record
Deed Document Number	415/1624
Deed Book / Page	415 / 1624
Last Transfer Date	Feb 26, 2021
Transfer Doc	436/303
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	640 HOLGATE AVE, DEFIANCE, OH 43512-2038
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 HOLGATE AVE, DEFIANCE, OH 43512-2038

Mortgage

Document Number	00457/2691
Date	Jul 10, 2023
Book Page	457/2691
Instrument	202300002305

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	640 HOLGATE AVE, DEFIANCE, OH 43512-2038
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	404/2758
Date	Jun 20, 2017
Book Page	404/2758
Instrument	201700002638

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DESTIN, FL 32541

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2022
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	10.2%
Index	Other
Margin	2
Max Rate	10.2%

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DEFIANCE OH
Recording Date	Feb 26, 2021
Property Address	640 HOLGATE AVE, DEFIANCE, OH 43512-2038
Document Number	436/303
Book / Page	436 / 303
Instrument Date	Jan 28, 2021
Instrument	202100001001
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 HOLGATE AVE, DEFIANCE, OH 43512-2038

Mortgage

Document Number	202100001002
Date	Feb 26, 2021
Instrument	202100001002

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

October 2018: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	DEFIANCE OH
Recording Date	Oct 12, 2018
Property Address	640 HOLGATE AVE, DEFIANCE, OH 43512-2038
Document Number	415/1624
Book / Page	415 / 1624
Instrument Date	Oct 5, 2018
Instrument	201800004411
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$978.00
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	640 HOLGATE AVE, DEFIANCE, OH 43512-2038

Mortgage

Document Number	201800004412
Date	Oct 12, 2018
Instrument	201800004412

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Defiance County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Defiance County
County Subdivision	Defiance Township
Municipality	Defiance City
Unified School District	Defiance City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,892.00	$102,140 (-) Land $8,210 Building $93,930
2024	$3,892.00 (+1.2%)	$102,140 (-) Land $8,210 Building $93,930
2023	$3,846.00 (+2.97%)	$102,140 (+14.56%) Land $8,210 Building $93,930	$291,828 (+14.57%) Land $23,457 Building $268,371
2022	$3,735.00	$89,160 Land $8,100 Building $81,060
2020			$254,720 Land $23,130 Building $231,590

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 March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Claims	21 (1978–2015)
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Mar 1982 · 2 claims

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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DEFIANCE CITY serves 16,494 people · EPA ID OH2000111
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2022
Treatment and Procedure	Corrosion control Jan 2018
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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Defiance Holdings Fixed Wireless · Fiber in parts of the area	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Omni Fiber.

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