712 Elm St, Toledo, OH 43604 Property Records

Lucas County property record for 712 Elm St, Toledo, OH 43604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1999
Lot Size	0.146 acres (6,361 sqft)
Owner	Individual Name on Record
Last Sale	$55,000 (Jun 2023)
Tax Bill	$211 (2025)
Deeds & Mortgages	Jul 2023 Mortgage May 2025 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-45414`

Property Details

APN / Parcel Number

Primary APN	`15-45414`
Alternative APN	`01115015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,296 sqft Living Area
1st Floor Area	648 sqft
2nd Floor Area	648 sqft
Basement Area	648 sqft

Exterior

Year Built	Built 1999
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	6,361 sqft (0.146 acres)
Lot Dimensions	99 ft deep x 64 ft wide
Porch	Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	712 ELM ST
City	TOLEDO
State	OH
Zip	43604-1939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10-RM36
Legal Description	VISTULA LOT 711 & 712 NW 64.25 FT SE 108.5 FT
Legal Subdivision	VISTULA
Legal Lot Number	711-712 712
Jurisdiction	LUCAS OH
Township / Civil Division	TOLEDO
Census Block Group	4
Census Block	4016
Census Tract	3000

Owner

Source: Lucas County records, as of February 16, 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	712 ELM ST, TOLEDO, OH 43604-1939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Deed of Trust, Mortgage NEIGHBORHOOD HOUSING SERVICES OF TOLEDO
May 22, 2025	Transfer on Death Deed, Transfer
Aug 21, 2024	Quit Claim Deed, Transfer Quitclaim
Jun 1, 2023	Warranty Deed, Transfer · Conventional Mortgage PREMIER BANK
Dec 14, 2018	Grant Deed, Transfer LUCAS CNTY LAND REUTILIZATION
Dec 14, 2018	Quit Claim Deed, Transfer LUCAS CNTY LAND REUTILIZATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Jun 1, 2023 · Amount on Record
Deed Document Number	0000017145
Last Transfer Date	Aug 21, 2024
Transfer Doc	0000026687
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUCAS OH
Property Address	712 ELM ST, TOLEDO, OH 43604-1939
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 ELM ST, TOLEDO, OH 43604-1939

Mortgage

Document Number	0000024115
Date	Jul 31, 2023
Instrument	202307310024115

Lender

Name	NEIGHBORHOOD HOUSING SERVICES OF TOLEDO
Type	Non-Lending Institution
Address	TOLEDO, OH 43605

Agreement

Amount	Amount Recorded

May 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LUCAS OH
Recording Date	May 22, 2025
Property Address	712 ELM ST, TOLEDO, OH 43604-1939
Document Number	0000016973
Map Reference	VOL 7 PG 19
Instrument Date	May 21, 2025
Instrument	202505220016973
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 ELM ST, TOLEDO, OH 43604-1939

August 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUCAS OH
Recording Date	Aug 21, 2024
Property Address	712 ELM ST, TOLEDO, OH 43604-1939
Document Number	0000026687
Map Reference	VOL 7 PG 19
Instrument Date	Aug 13, 2024
Instrument	202408210026687
Transaction Type	Transfer
Record Updated	Feb 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 ELM ST, TOLEDO, OH 43604-1939

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Jun 1, 2023
Property Address	712 ELM ST, TOLEDO, OH 43604-1939
Document Number	0000017145
Map Reference	VOL 7 PG 19
Instrument Date	May 18, 2023
Instrument	202306010017145
Transaction Type	Transfer
Record Updated	Jun 30, 2023
Title Company	AREA TITLE AGENCY INC

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
Address	712 ELM ST, TOLEDO, OH 43604-1939
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017146
Date	Jun 1, 2023
Instrument	202306010017146

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Mortgage

Document Number	0000017148
Date	Jun 1, 2023
Instrument	202306010017148

Lender

Name	LUCAS HOUSING SERVICES CORP
Type	Government Agency
Address	TOLEDO, OH 43604

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LUCAS OH
Recording Date	Dec 14, 2018
Property Address	712 ELM ST, TOLEDO, OH 43604-1939
Document Number	0000055780
Instrument Date	Dec 6, 2018
Instrument	55780
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	MIDLAND TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	55800
Date	Dec 14, 2018
Instrument	55800

Lender

Name	LUCAS CNTY LAND REUTILIZATION

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Dec 13, 2038

Mortgage

Document Number	55801,
Date	Dec 14, 2018
Instrument	55801

Lender

Name	LUCAS CNTY LAND REUTILZATION
Address	1 GOVERNMENT CTR # 580, TOLEDO, OH 43604-2249

Agreement

Amount	Amount Recorded

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUCAS OH
Recording Date	Dec 14, 2018
Property Address	712 ELM ST, TOLEDO, OH 43604-1939
Document Number	0000055782
Instrument Date	Dec 5, 2018
Instrument	55782
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	MIDLAND TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	201 BELMONT AVE TOLEDO OH 436043213, TOLEDO, OH 43604-3213

Mortgage

Document Number	55786
Date	Dec 14, 2018
Instrument	55786

Lender

Name	LUCAS CNTY LAND REUTILIZATION
Address	1 GOVERNMENT CTR # 580, TOLEDO, OH 43604-2249

Agreement

Amount	Amount Recorded

Mortgage

Document Number	55787,
Date	Dec 14, 2018
Instrument	55787

Lender

Name	LUCAS CNTY LAND REUTILIZATION
Address	1 GOVERNMENT CTR # 580, TOLEDO, OH 43604-2249

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Lucas County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Lucas County
Municipality	Toledo City
Unified School District	Toledo City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$211.00 Homeowner's exemption	$9,205 (-) Land $2,590 Building $6,615
2024		$9,205 (+25.84%) Land $2,590 Building $6,615	$26,300 (+25.84%) Land $7,400 Building $18,900
2023	$545.00 (-0.55%)	$7,315 (-) Land $2,135 Building $5,180
2022	$548.00	$7,315 Land $2,135 Building $5,180
2021			$20,900 Land $6,100 Building $14,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 20, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 479 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Cable · Fiber in parts of the area	1,000 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Amplex Wireless Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum.

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