Defiance County property record for 646 Holgate Ave, Defiance, OH 43512
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,898 sqft · built 1895 |
| Lot Size | 0.608 acres (26,502 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (May 2003) |
| Tax Bill | $4,612 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | B012095000600 |
| Primary APN | B012095000600 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,898 sqft Living Area |
| Gross Area | 7,437 sqft |
| 1st Floor Area | 1,464 sqft |
| Upper Floors Area | 1,936 sqft |
| Attic | Attic |
| Attic Area | 234 sqft |
| Basement Area | 1,054 sqft |
| Finished Basement | 540 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 26,502 sqft (0.608 acres) |
| Lot Dimensions | 530 ft deep x 50 ft wide |
| View / Lot | Waterfront |
| Garage Type | Attached - Unfinished |
| Garage Area | 1,000 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 602 sqft |
| Deck Area | 350 sqft |
| Patio Area | 707 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 646 HOLGATE AVE |
|---|---|
| City | DEFIANCE |
| State | OH |
| Zip | 43512-2038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOLGATES FIRST LOT 8 PT |
| Legal Subdivision | HOLGATES ADD 1 |
| Legal Lot Number | 8 |
| Jurisdiction | DEFIANCE OH |
| Township / Civil Division | DEFIANCE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 958600 |
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.
646 Holgate Ave is owned and occupied by an individual who acquired it in April 2010.
Source: Defiance County records, as of October 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 646 HOLGATE AVE, DEFIANCE, OH 43512-2038 |
| 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 | May 19, 2003 · Amount on File |
| Deed Sale | May 19, 2003 · Amount on File |
| Prior Sale | Mar 15, 2001 · Amount on File |
| Last Transfer Date | Apr 23, 2010 |
| Transfer Doc | 342/2289 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Property Address | 646 HOLGATE AVE, DEFIANCE, OH 43512-2038 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2018 |
| Name | Verified Name |
|---|
| Document Number | 411/1084 |
|---|---|
| Date | Apr 17, 2018 |
| Book Page | 411/1084 |
| Instrument | 201800001598 |
| Name | VAN WERT FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | VAN WERT, OH 45891 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2038 |
The 2025 property tax bill for 646 Holgate Ave was $4,612.
Source: Defiance County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Defiance County |
| County Subdivision | Defiance Township |
| Municipality | Defiance City |
| Unified School District | Defiance City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,612.00 | $121,030 (-) Land $6,170 Building $114,860 | |
| 2024 | $4,612.00 (+1.21%) | $121,030 (-) Land $6,170 Building $114,860 | $345,820 (+0.01%) Land $17,640 Building $328,180 |
| 2023 | $4,557.00 (+9.52%) | $121,030 (+21.83%) Land $6,170 Building $114,860 | $345,799 Land $17,628 Building $328,171 |
| 2022 | $4,161.00 | $99,340 Land $6,090 Building $93,250 | |
| 2020 | $283,810 Land $17,390 Building $266,420 |
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 646 Holgate Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 |
|
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 risk around 646 Holgate Ave is low, with less than a 0.01% annual chance of 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 |
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 | 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 |
| 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.
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 |
| MetaLINK Technologies Fixed Wireless · Fiber in parts of the area | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Omni Fiber.
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