645 Carter Rd, Defiance, OH 43512 Property Records

Defiance County property record for 645 Carter Rd, Defiance, OH 43512

Property Summary

Property Type	Rural Home
Details	4 bd · 1 ba · 1,518 sqft · built 1920
Lot Size	13.1 acres (571,289 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Sep 2017)
Tax Bill	$2,068 (2025)
Deeds & Mortgages	May 2022 Line of Credit Sep 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`B110001001800`

Property Details

APN / Parcel Number

Primary APN	`B110001001800`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,518 sqft Living Area
1st Floor Area	1,232 sqft
Upper Floors Area	286 sqft
Basement Area	330 sqft
Unfinished Basement	330 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	571,289 sqft (13.1 acres)
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	130 sqft
Patio Area	322 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	645 CARTER RD
City	DEFIANCE
State	OH
Zip	43512-8970
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SECTION 1 PT NE W RD NE FL
Legal Subdivision	LIOYDS ADDITION
Jurisdiction	DEFIANCE OH
Township / Civil Division	DEFIANCE
Census Block Group	4
Census Block	4000
Census Tract	958900

Owner

Source: Defiance County records, as of March 19, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	15863 SPONSELLER RD, DEFIANCE, OH 43512-8883
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage · Line of Credit PREMIER BANK
Sep 22, 2017	Warranty Deed, Transfer · Line of Credit FIRST FEDERAL BANK OF THE MIDWEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2017 · Amount on Record
Deed Sale	Sep 22, 2017 · Amount on Record
Prior Sale	Nov 21, 1995
Deed Document Number	20174010
Deed Book / Page	406 / 2475
Prior Transfer Date	Apr 13, 2007
Prior Transfer Doc	315/1971
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	645 CARTER RD, DEFIANCE, OH 43512-8970
Transaction Type	Mortgage
Record Updated	May 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15863 SPONSELLER RD, DEFIANCE, OH 43512-8818

Mortgage

Document Number	00448/1581
Date	May 4, 2022
Book Page	448/1581
Instrument	202200002142

Lender

Name	PREMIER BANK
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DEFIANCE OH
Recording Date	Sep 22, 2017
Property Address	645 CARTER RD, DEFIANCE, OH 43512-8970
Document Number	406/2475
Book / Page	406 / 2475
Instrument Date	Sep 22, 2017
Instrument	201700004010
Transaction Type	Transfer
Record Updated	May 24, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15863 SPONSELLER RD, DEFIANCE, OH 43512-8818

Mortgage

Document Number	201700004011
Date	Sep 22, 2017
Instrument	201700004011

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Defiance County assessment roll, as of March 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,068.00	$51,850 (-) Land $19,870 Building $31,980
2024	$2,068.00 (+1.17%)	$51,850 (-) Land $19,870 Building $31,980
2023	$2,044.00 (+14.45%)	$51,850 (+28.92%) Land $19,870 Building $31,980	$148,142 (+28.89%) Land $56,771 Building $91,371
2022	$1,786.00	$40,220 Land $16,820 Building $23,400
2020			$114,940 Land $48,070 Building $66,870

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	8 (1981–2018)
Most Recent Claim	Mar 2018 · other causes

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
MetaLINK Technologies Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Ayersville Telephone Company.

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