6440 Saddle Bridge Dr E, Whitehouse, OH 43571 Property Records

Lucas County property record for 6440 Saddle Bridge Dr E, Whitehouse, OH 43571

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,275 sqft · built 2004
Lot Size	0.366 acres (15,957 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (Oct 2022)
Tax Bill	$9,546 (2024)
Deeds & Mortgages	Oct 2022 Mortgage Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`98-40236`

Property Details

APN / Parcel Number

Primary APN	`98-40236`
Alternative APN	`47054042`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,275 sqft Living Area
Gross Area	5,191 sqft
1st Floor Area	2,338 sqft
2nd Floor Area	937 sqft
Basement Area	1,386 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Lot Area	15,957 sqft (0.366 acres)
Lot Width	103 ft Width
Garage Type	Attached
Garage Area	530 sqft
Parking Spaces	2 Parking Spaces
Pool Area	544 sqft
Porch	Open Porch
Porch Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	6440 SADDLE BRIDGE DR E
City	WHITEHOUSE
State	OH
Zip	43571-9309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	23-R2
Legal Description	BLUE GRASS FARMS LOT 42
Legal Subdivision	BLUE GRASS FARMS
Legal Tract	89.01
Legal Lot Number	42
Jurisdiction	LUCAS OH
Township / Civil Division	WATERVILLE
Census Block Group	2
Census Block	2018
Census Tract	8903

Owner

Source: Lucas County records, as of June 3, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	6440 SADDLE BRIDGE DR E, WHITEHOUSE, OH 43571-9309
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Deed of Trust, Mortgage · Commercial Mortgage CELTIC BANK CORPORATION
Oct 19, 2022	Survivorship Deed, Transfer · Conventional Mortgage FIRST FSLA OF LAKEWOOD
Aug 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST FED SAVINGS & LOAN ASSN OF LORAIN
Oct 20, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage DIRECTIONS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2022 · Amount on Record
Deed Sale	Oct 19, 2022 · Amount on Record
Prior Sale	Sep 6, 2002 · Amount on Record
Deed Document Number	202245469
Prior Transfer Date	Sep 17, 2021
Prior Transfer Doc	0000055708
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	6440 SADDLE BRIDGE DR E, WHITEHOUSE, OH 43571-9309
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045636
Date	Oct 20, 2022
Instrument	202210200045636

Lender

Name	CELTIC BANK CORPORATION
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	113 Months
Due	Mar 23, 2032

Interest

Rate Type	Adjustable Rate

October 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	LUCAS OH
Recording Date	Oct 19, 2022
Property Address	6440 SADDLE BRIDGE DR E, WHITEHOUSE, OH 43571-9309
Document Number	0000045469
Map Reference	VOL 151 PG 61
Instrument Date	Oct 7, 2022
Instrument	202210190045469
Transaction Type	Transfer
Record Updated	Nov 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	6440 SADDLE BRIDGE DR E, WHITEHOUSE, OH 43571-9309

Mortgage

Document Number	0000045470
Date	Oct 19, 2022
Instrument	202210190045470

Lender

Name	FIRST FSLA OF LAKEWOOD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	6440 SADDLE BRIDGE DR E, WHITEHOUSE, OH 43571-9309
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037960
Date	Aug 25, 2022
Instrument	202208250037960

Lender

Name	FIRST FED SAVINGS & LOAN ASSN OF LORAIN
Type	Bank
Address	LAKEWOOD, OH 44107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Sep 1, 2023

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LUCAS OH
Recording Date	Oct 20, 2021
Property Address	6440 SADDLE BRIDGE DR E, WHITEHOUSE, OH 43571-9309
Document Number	0000055708
Map Reference	VOL 151 PG 61
Instrument Date	Sep 17, 2021
Instrument	202110200055708
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	LOUISVILLE TITLE AGENCY

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
Relationship	Right of Survivorship
Address	6440 SADDLE BRIDGE DR E, WHITEHOUSE, OH 43571-9309

Mortgage

Document Number	0000055709
Date	Oct 20, 2021
Instrument	202110200055709

Lender

Name	DIRECTIONS CU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

Source: Lucas County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lucas County
County Subdivision	Waterville Township
Municipality	Whitehouse Village
Unified School District	Anthony Wayne Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$197,435 (-) Land $20,895 Building $176,540	$564,100 (-) Land $59,700 Building $504,400
2024	$9,546.00 (+43.48%)	$197,435 (+61.54%) Land $20,895 Building $176,540	$564,100 (+61.54%) Land $59,700 Building $504,400
2023	$6,653.00 (-0.95%)	$122,220 (-) Land $12,215 Building $110,005
2022	$6,717.00 Homeowner's exemption	$122,220 Land $12,215 Building $110,005
2021			$349,200 Land $34,900 Building $314,300

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 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

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	Direct burnable vegetation

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	WHITEHOUSE VILLAGE serves 5,200 people · EPA ID OH4801612
Water Source	Purchased surface water from CITY OF TOLEDO
Last State Inspection	Oct 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber	10,000 / 10,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Amplex Wireless.

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