NOT LISTED FOR SALE

634 Spencer St Toledo, OH 43609

Southside Neighborhood

Estimated Value: $82,000 - $87,000

4 Beds
1 Bath
1,294 Sq Ft
$65/Sq Ft Est. Value

Sale Details

Date Sold: November 6, 2025

Last sale price $85,000 $66 Per Sq Ft

Est. 1% decrease in value since last sale

Current estimated payment $497 / mo

68 Days on Market

Highlights

  • Traditional Architecture
  • Living Room
  • Dining Room
  • No HOA
  • Forced Air Heating System
  • Family Room

About This Home

As of November 2025

This newly renovated property features newer windows and wooden floors throughout. Two of its three (potential 4th (walk through)) bedrooms are on the first floor along with the bathroom. Home is minutes from downtown Toledo and Toledo Zoo. Could this be home? Schedule your walk thru today.

Last Agent to Sell the Property

Ashleigh Smith

Howard Hanna License #2017002341 Listed on: 08/26/2025

Last Buyer's Agent

Raliat Williams

Serenity Realty LLC License #2021003674

Serenity Realty LLC

Home Details

Home Type

  • Single Family

Year Built

  • Built in 1897

Lot Details

  • 3,202 Sq Ft Lot

Parking

  • 2 Parking Spaces

Home Design

  • Traditional Architecture
  • Shingle Roof
  • Aluminum Siding
  • Steel Siding
  • Vinyl Siding

Interior Spaces

  • 1,294 Sq Ft Home
  • 2-Story Property
  • Family Room
  • Living Room
  • Dining Room
  • Basement Fills Entire Space Under The House

Bedrooms and Bathrooms

  • 4 Bedrooms
  • 1 Full Bathroom

Schools

  • Walbridge Elementary School
  • None Middle School
  • Bowsher High School

Utilities

  • No Cooling
  • Forced Air Heating System
  • Heating System Uses Natural Gas
  • Water Heater

Community Details

  • No Home Owners Association
  • Stuart Condleys Subdivision

Listing and Financial Details

  • Assessor Parcel Number 14-35834

Home Details

Home Type

Single Family

Year Built

Built in 1897

Lot Details

3,202 Sq Ft Lot

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Year Built: 1897
  • Lot Size Acres: 0.0735
  • Lot Size: 3,200
  • Subdivision Name: Stuart Condleys
  • Architectural Style: Traditional
  • Carport Y N: No
  • Garage Yn: No
  • New Construction: No
  • Property Attached Yn: No
  • RoomKey: 20250905081316446413000000
  • RoomKey: 20250905081316950025000000
  • Special Features: VirtualTour

Interior Features

  • Fireplace: No
  • Has Basement: Full
  • Basement YN: Yes
  • Full Bathrooms: 1
  • Total Bedrooms: 4
  • Living Area: 1294.0
  • Stories: 2

Exterior Features

  • Roof: Shingle
  • Pool Private: No
  • Waterfront: No
  • Disclosures: Property Disclosure, Lead Based Paint Disclosure
  • Construction Type: Aluminum Siding, Vinyl Siding, Steel Siding

Garage/Parking

  • Attached Garage: No
  • Garage Spaces: 2.0
  • Parking Features: None
  • Total Parking Spaces: 2.0

Utilities

  • Heating: Forced Air, Natural Gas
  • Sewer: Sanitary Sewer
  • Appliances: Water Heater
  • Cooling: None
  • Cooling Y N: No
  • Heating Yn: Yes
  • Electric: Circuit Breakers
  • Water Source: Public

Condo/Co-op/Association

  • Association: No

Schools

  • Junior High Dist: Toledo
  • Middle Or Junior School: None

Lot Info

  • Land Lease: No
  • Lot Size Sq Ft: 3202.0
  • Parcel #: 14-35834

Tax Info

  • Tax Year: 2024

MLS Schools

  • Elementary School: Walbridge
  • HighSchool: Bowsher

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Aug 26, 2025
Closed on
Nov 14, 2025
Sold by
Gosch Scott R and Gosch Debra J
Bought by
Mm Capital Group Holdings Llc
Seller's Agent
Ashleigh Smith
Howard Hanna
Buyer's Agent
Raliat Williams
Serenity Realty LLC
List Price
$89,900
Sold Price
$85,000
Premium/Discount to List
-$4,900
-5.45%
Views
38
Current Estimated Value
$84,206

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$794
Avg. Annual Appreciation
-1.86%
Original Mortgage
$68,000
Outstanding Balance
$67,809
Interest Rate
6.34%
Mortgage Type
New Conventional
Estimated Equity
$16,397

Purchase Details

Closed on
Jun 17, 2022
Sold by
Gosch Scott R and Gosch Debra J
Bought by
Gosch Scott R and Gosch Debra J

Purchase Details

Closed on
Apr 30, 2001
Sold by
Ann Ingersoll Beatrice
Bought by
Gosch Scott R

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$28,050
Interest Rate
6.95%

Purchase Details

Closed on
Dec 7, 1993
Sold by
Ingersoll Ingersoll G G and Ingersoll B
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
Not Available
List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Mm Capital Group Holdings Llc $85,000 None Listed On Document
Gosch Scott R -- Cottrell Ernest E
Gosch Scott R $33,000 --
-- -- --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Mm Capital Group Holdings Llc $68,000
Previous Owner Gosch Scott R $28,050
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
11/06/2025 11/06/25 Sold $85,000 -5.5% $66 / Sq Ft
10/15/2025 10/15/25 Off Market $89,900 -- --
10/14/2025 10/14/25 For Sale $89,900 0.0% $69 / Sq Ft
09/15/2025 09/15/25 Price Changed $89,900 -10.0% $69 / Sq Ft
08/29/2025 08/29/25 For Sale $99,900 -- $77 / Sq Ft
Source: Northwest Ohio Real Estate Information Service (NORIS)

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 -- $17,080 $4,795 $12,285
2024 $573 $17,080 $4,795 $12,285
2023 $896 $12,285 $3,885 $8,400
2022 $893 $12,285 $3,885 $8,400
2021 $890 $12,285 $3,885 $8,400
2020 $921 $11,060 $3,570 $7,490
2019 $890 $11,060 $3,570 $7,490
2018 $885 $11,060 $3,570 $7,490
2017 $933 $10,850 $1,645 $9,205
2016 $912 $31,000 $4,700 $26,300
2015 $880 $31,000 $4,700 $26,300
2014 $702 $10,860 $1,650 $9,210
2013 $702 $10,860 $1,650 $9,210
Source: Public Records

Agents Affiliated with this Home

  • Ashleigh Smith

    Seller's Agent in 2025

    Ashleigh Smith

    Howard Hanna

    (419) 329-0801

    9 in this area

    49 Total Sales

    Ashleigh Smith
    Section Image
  • Raliat Williams

    Buyer's Agent in 2025

    Raliat Williams

    Serenity Realty LLC

    (419) 360-6096

    16 in this area

    113 Total Sales

    Raliat Williams
    Section Image
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Map

Source: Northwest Ohio Real Estate Information Service (NORIS)

MLS Number: 6134852

Northwest Ohio Real Estate Information Service (NORIS)

APN: 14-35834

Ohio Lucas County Toledo 43609 Southside

634 Spencer St, Toledo, OH

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Northwest Ohio Real Estate Information Service (NORIS) IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. ©2026 NORIS. All rights reserved.

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