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Single Family ResidenceResidential
$117,533$101 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 83How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $43,000 on Nov 10, 1988

640 RICHARDS RD

TOLEDO, OH 43607
2
Beds
1
Baths
1,166 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1948
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$118K
$98K low$137K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$43,000 · Nov 10, 1988
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$56,957
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$45,566
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.53%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$60,576
ROYAL UNITED MORTGAGE LLC · recorded Jan 29, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,089 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$26,005 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,680
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$17,325
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$26,005
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$74,300

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyLucas
Lot (acres)The size of the land the home sits on, from county records.0.14
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Keyser Elementary SchoolC-
Elementary · Grades KG–8 · 0.6 mi
H
Rogers High SchoolD
High · Grades 9–12 · 1.8 mi

District: Toledo Public Schools

Neighborhood · ZIP 43607These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.142
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.127
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.31%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.20,335
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,850 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$41,478
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$50,254
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.34 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

640 Richards Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 77% of homes in Toledo 43607
  • Costs more per square foot than 84% of homes in Toledo 43607
  • Smaller than 72% of homes in Lucas County
  • Newer than 66% of homes in Toledo 43607

What homes are worth in Toledo 43607

Each bar is how many homes fall in that price range. The marker is this home.

This home
$26K$250K

This home is worth more than 77% of homes in Toledo 43607.

How it measures up in Toledo 43607

The dot is this home. The mark in the middle is the typical home in Toledo 43607.

Estimated value$117,533
CheaperTypical $76,962Pricier

Pricier than 77% of homes nearby

Price per ft²$101
CheaperTypical $65Pricier

Pricier than 84% of homes nearby

Living area1,166 ft²
SmallerTypical 1,306 ft²Bigger

Bigger than 36% of homes nearby

Lot size0.14 ac
SmallerTypical 0.12 acBigger

Bigger than 63% of homes nearby

Year built1948
OlderTypical 1925Newer

Newer than 66% of homes nearby

How 640 Richards Rd ranks against every home in each area.
MeasureThis homeScott ParkToledo 43607Lucas County
Estimated valuepricier than$117,53366% of homes77% of homes33% of homes
Price per ft²pricier than$10173% of homes84% of homes36% of homes
Living areabigger than1,166 ft²48% of homes36% of homes28% of homes
Lot sizebigger than0.14 ac48% of homes63% of homes37% of homes
Year builtnewer than194843% of homes66% of homes39% of homes

About 640 Richards Rd

How much is 640 Richards Rd, Toledo, OH worth?

The TopHap Estimate for 640 Richards Rd, Toledo, OH is $117,533 as of Jul 14, 2026. The likely range is $98,099 to $136,967. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Richards Rd, Toledo, OH last sell?

640 Richards Rd, Toledo, OH last sold on Nov 10, 1988 for $43,000, according to the county's recorded deed.

How big is 640 Richards Rd, Toledo, OH?

640 Richards Rd, Toledo, OH has 2 bedrooms, 1 bathrooms, 1,166 square feet of living space and a 0.14-acre lot.

When was 640 Richards Rd, Toledo, OH built?

640 Richards Rd, Toledo, OH was built in 1948, making it 78 years old. It is a conventional home. The building has 1 story.

What schools serve 640 Richards Rd, Toledo, OH?

640 Richards Rd, Toledo, OH is assigned to Keyser Elementary School (elementary), rated C-; Rogers High School (high), rated D. All sit in Toledo Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Richards Rd, Toledo, OH compare to other homes in Toledo 43607?

Among the 8,056 homes in Toledo 43607, it is worth more than 77% of them ($117,533 against a typical $76,962), its price per square foot is higher than 84% of them ($101 against a typical $65), it is bigger than 36% of them (1,166 ft² against a typical 1,306 ft²), its lot is bigger than 63% of them (0.14 ac against a typical 0.12 ac) and it is newer than 66% of them (1948 against a typical 1925). Measured against all of Lucas County, it is worth more than 33% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 640 Richards Rd, Toledo, OH?

The 2025 property tax bill for 640 Richards Rd, Toledo, OH was $1,089. The county assessed it at $26,005.

Closest homes

More homes in Toledo 43607

Assigned schools

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