Defiance County property record for 865 Summit St, Defiance, OH 43512
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 910 sqft · built 1938 |
| Lot Size | 0.242 acres (10,559 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $98,000 (Jan 2022) |
| Tax Bill | $1,155 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jan 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B014151000300 |
| Primary APN | B014151000300 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 910 sqft Living Area |
| Gross Area | 1,670 sqft |
| 1st Floor Area | 760 sqft |
| Upper Floors Area | 150 sqft |
| Attic | Attic |
| Attic Area | 150 sqft |
| Basement Area | 600 sqft |
| Unfinished Basement | 600 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 10,559 sqft (0.242 acres) |
| Lot Dimensions | 160 ft deep x 66 ft wide |
| View / Lot | Waterfront / Beach |
| Garage Type | Detached |
| Garage Area | 294 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 865 SUMMIT ST |
|---|---|
| City | DEFIANCE |
| State | OH |
| Zip | 43512-3039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GNADENSBURG 2ND ADD SUB LOT C PT |
| Legal Subdivision | GNADENSBURG ADD 2 |
| Legal Lot Number | C |
| Jurisdiction | DEFIANCE OH |
| Township / Civil Division | DEFIANCE |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 958800 |
Source: Defiance County records, as of October 2, 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 | 865 SUMMIT ST, DEFIANCE, OH 43512-3039 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2024 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Jan 27, 2022 | Warranty Deed, Transfer · FHA Mortgage THE STATE BANK & TRUST CO |
| Nov 21, 2019 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2022 · Amount on Record |
| Deed Sale | Jan 27, 2022 · Amount on Record |
| Prior Sale | Nov 21, 2019 · Amount on Record |
| Deed Document Number | 2022366 |
| Deed Book / Page | 445 / 2689 |
| Prior Transfer Date | Sep 15, 2006 |
| Prior Transfer Doc | 310/0216 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Property Address | 865 SUMMIT ST, DEFIANCE, OH 43512-3039 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 865 SUMMIT ST, DEFIANCE, OH 43512-3039 |
| Document Number | 000463/358 |
|---|---|
| Date | Mar 27, 2024 |
| Book Page | 463/358 |
| Instrument | 202400000939 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Recording Date | Jan 27, 2022 |
| Property Address | 865 SUMMIT ST, DEFIANCE, OH 43512-3039 |
| Document Number | 00445/2689 |
| Book / Page | 445 / 2689 |
| Instrument Date | Jan 22, 2022 |
| Instrument | 202200000366 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 865 SUMMIT ST, DEFIANCE, OH 43512-3039 |
| Document Number | 202200000367 |
|---|---|
| Date | Jan 27, 2022 |
| Instrument | 202200000367 |
| Name | THE STATE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Recording Date | Nov 21, 2019 |
| Property Address | 865 SUMMIT ST, DEFIANCE, OH 43512-3039 |
| Document Number | 424/0015 |
| Book / Page | 424 / 0015 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 201900004663 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 607 ADAMS ST, DEFIANCE, OH 43512-1707 |
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 | $1,155.00 | $29,570 (-) Land $1,930 Building $27,640 | |
| 2024 | $1,155.00 (+1.14%) | $29,570 (-) Land $1,930 Building $27,640 | $84,480 (-0.01%) Land $5,510 Building $78,970 |
| 2023 | $1,142.00 (+33.57%) | $29,570 (+48.44%) Land $1,930 Building $27,640 | $84,485 (+48.48%) Land $5,514 Building $78,971 |
| 2022 | $855.00 | $19,920 Land $1,930 Building $17,990 | |
| 2020 | $56,900 Land $5,510 Building $51,390 |
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.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 85% 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 356 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 |
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