Lucas County property record for 640 Richards Rd, Toledo, OH 43607
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,166 sqft · built 1948 |
| Lot Size | 0.144 acres (6,300 sqft) |
| Owner | Individual Name on File |
| Last Sale | $43,000 (Nov 1988) |
| Tax Bill | $1,088 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-51211 |
| Primary APN | 20-51211 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,166 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Attic | Attic |
| Attic Area | 864 sqft |
| Basement Area | 864 sqft |
| Year Built | Built 1948 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,300 sqft (0.144 acres) |
| Lot Dimensions | 129 ft deep x 49 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 640 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 383 & N 7.50 FT 382 |
| Legal Subdivision | MOUNT VERNON |
| Legal Tract | 74 |
| Legal Lot Number | 383 |
| Jurisdiction | LUCAS OH |
| Township / Civil Division | TOLEDO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 7402 |
640 Richards Rd is owned and occupied by an individual who bought it in November 1988.
Source: Lucas County records, as of February 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 640 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 10, 1988 · Amount on File |
| Deed Sale | Nov 10, 1988 · Amount on File |
| Deed Document Number | 88109354 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUCAS OH |
| Property Address | 640 RICHARDS RD, TOLEDO, OH 43607-2276 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005022 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 202101290005022 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 640 Richards Rd was $1,088 with a homeowner's exemption, up 18% from the year before.
Source: Lucas County assessment roll, as of August 1, 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 | $1,088.00 (+18%) Homeowner's exemption | $26,005 (-) Land $8,680 Building $17,325 | |
| 2024 | $922.00 (+0.33%) Homeowner's exemption | $26,005 (+20.23%) Land $8,680 Building $17,325 | $74,300 Land $24,800 Building $49,500 |
| 2023 | $919.00 (-1.18%) Homeowner's exemption | $21,630 (-) Land $5,880 Building $15,750 | |
| 2022 | $930.00 Homeowner's exemption | $21,630 Land $5,880 Building $15,750 | |
| 2021 | $61,800 Land $16,800 Building $45,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 Richards Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 640 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 |
5G (outdoors only) and 4G LTE
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