648 Riverside Ave, Defiance, OH 43512 Property Records

Defiance County property record for 648 Riverside Ave, Defiance, OH 43512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,628 sqft · built 1920
Lot Size	0.151 acres (6,599 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Apr 2026)
Tax Bill	$996 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Oct 2020 Line of Credit + 8 more
Flood Zone	Zone X (moderate risk)
APN	`B011029002000`

Property Details

APN / Parcel Number

Primary APN	`B011029002000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,628 sqft Living Area
Gross Area	2,962 sqft
1st Floor Area	968 sqft
Upper Floors Area	660 sqft
Basement Area	330 sqft
Unfinished Basement	330 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	6,599 sqft (0.151 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	226 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	648 RIVERSIDE AVE
City	DEFIANCE
State	OH
Zip	43512-2884
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLES MILLERS ADDITION BLOCK B LOT F PT
Legal Subdivision	CHARLES MILLERS ADD
Legal Block	B
Legal Lot Number	F
Jurisdiction	DEFIANCE OH
Township / Civil Division	DEFIANCE
Census Block Group	1
Census Block	1030
Census Tract	958700

Owner

648 Riverside Ave is owned and occupied by an individual who bought it in April 2026.

Source: Defiance County records, as of October 2, 2026

Owner of Record	Individual Name on File
Mailing Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2020	Deed of Trust, Mortgage · Line of Credit THE HAMLER STATE BANK
Oct 1, 2020	Deed of Trust, Mortgage · Line of Credit THE HAMLER STATE BANK
May 15, 2007	Deed of Trust, Mortgage FIRST FEDERAL BANK OF THE MIDWEST
Sep 18, 2006	Deed of Trust, Mortgage CITY OF THE DEFENCE
Oct 25, 2013	Deed of Trust, Mortgage · Line of Credit MIDWEST COMMUNITY FCU
Apr 30, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 30, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE BANK AND TRUST COMPANY
Feb 16, 2024	Warranty Deed, Transfer · Conventional Mortgage PREMIER BANK
Mar 29, 2013	Sheriff's Deed, Foreclosure
Nov 10, 2005	Warranty Deed, Transfer · ARM AMERICAS WHOLESALE LENDER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2026 · Amount on File
Deed Sale	Apr 30, 2026 · Amount on File
Prior Sale	Feb 16, 2024 · Amount on File
Deed Document Number	20261478
Deed Book / Page	480 / 2938
Prior Transfer Date	Feb 22, 2013
Prior Transfer Doc	00370/1794
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884
Transaction Type	Mortgage
Record Updated	Jun 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00424/2881
Date	Jan 6, 2020
Book Page	424/2881
Instrument	202000000050

Lender

Name	THE HAMLER STATE BANK
Type	Bank
Address	HAMLER, OH 43524

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Dec 18, 2039

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884
Transaction Type	Mortgage
Record Updated	Jun 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00431/2802
Date	Oct 1, 2020
Book Page	431/2802
Instrument	202000004554

Lender

Name	THE HAMLER STATE BANK
Type	Bank
Address	HAMLER, OH 43524

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2040

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884
Transaction Type	Mortgage
Record Updated	Jun 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00316/1704
Date	May 15, 2007
Book Page	316/1704
Instrument	200700002672

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884
Transaction Type	Mortgage
Record Updated	Jun 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00309/2954
Date	Sep 18, 2006
Book Page	309/2954
Instrument	200600006370

Lender

Name	CITY OF THE DEFENCE
Address	00000

Agreement

Amount	Amount on Record

October 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884
Transaction Type	Mortgage
Record Updated	Jun 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00375/1806
Date	Oct 25, 2013
Book Page	375/1806
Instrument	201300005325

Lender

Name	MIDWEST COMMUNITY FCU
Address	DEFIANCE, OH 43512

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DEFIANCE OH
Recording Date	Apr 30, 2026
Property Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884
Document Number	0000001478
Book / Page	480 / 2938
Instrument Date	Apr 30, 2026
Instrument	2026.1478
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$56,560.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DEFIANCE OH
Recording Date	Apr 30, 2026
Property Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884
Document Number	00480/2938
Book / Page	480 / 2938
Instrument Date	Apr 30, 2026
Instrument	2026.1478
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,560.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884

Mortgage

Document Number	0000001479,
Date	Apr 30, 2026
Book Page	480/2941
Instrument	2026.1479

Lender

Name	STATE BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DEFIANCE OH
Recording Date	Feb 16, 2024
Property Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884
Document Number	00462/1233
Book / Page	462 / 1233
Instrument Date	Feb 14, 2024
Instrument	202400000484
Transaction Type	Transfer
Record Updated	Mar 8, 2024

Transaction

Amount	Amount 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
Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884

Mortgage

Document Number	202400000485
Date	Feb 16, 2024
Instrument	202400000485

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

March 2013: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	DEFIANCE OH
Recording Date	Mar 29, 2013
Property Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884
Document Number	00370/1794
Book / Page	370 / 1794
Instrument Date	Feb 22, 2013
Instrument	201300001688
Transaction Type	Foreclosure
Record Updated	Mar 6, 2026

Transaction

Amount	Amount on Record
Tax	$101.60
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 NATIONAL WAY, SIMI VALLEY, CA 93065-6414

November 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DEFIANCE OH
Recording Date	Nov 10, 2005
Property Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884
Document Number	298/2917
Book / Page	298 / 2917
Instrument Date	Nov 10, 2005
Instrument	200500007954
Transaction Type	Transfer
Record Updated	May 24, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$206.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 RIVERSIDE AVE, DEFIANCE, OH 43512-2884

Mortgage

Document Number	00298/2919
Date	Nov 10, 2005
Book Page	298/2919
Instrument	200500007955

Lender

Name	AMERICAS WHOLESALE LENDER
Type	Lending Institution
Address	DALLAS, TX 75266

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	10%
Type Change Date	Dec 1, 2007
Change Frequency	6 Months
Min Rate At Change	10%
Max Rate At Change	11.5%
Index	6-Month LIBOR
Margin	9
Max Rate	17%

Tax Assessment & Valuation

The 2025 property tax bill for 648 Riverside Ave was $996.

Source: Defiance County assessment roll, as of October 2, 2026

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	$996.00	$25,490 (-) Land $3,620 Building $21,870
2024	$996.00 (+1.22%)	$25,490 (-) Land $3,620 Building $21,870	$72,820 (-0.01%) Land $10,340 Building $62,480
2023	$984.00 (+14.69%)	$25,490 (+30.79%) Land $3,620 Building $21,870	$72,827 Land $10,342 Building $62,485
2022	$858.00	$19,490 Land $3,590 Building $15,900
2020			$55,680 Land $10,250 Building $45,430

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 648 Riverside Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	43 (1978–2009)
Claims Outside the SFHA	6 of 43
Most Recent Claim	Mar 2009 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Mar 1982 · 16 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

The area around 648 Riverside Ave 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.

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 549 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
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: RTEC Communications.

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