Recari, a two-time winner on the LPGA Tour, matched Creamer's 4-under 67. Both are at 12-under 201.
Creamer, who won in 2008 when the tournament was known as the Jamie Farr Toledo Classic, led by as many as two shots before Recari's late surge at Highland Meadows.
Rising American teen Lexi Thompson had a 67 and, along with Jacqui Concolino and Japan's Chie Arimura, was three shots back. Concolino, whose career-best tie for 11th came at the event last year, had a 69. Arimura three-putted the final hole for bogey and a 68.
Top-ranked Inbee Park, chasing her seventh win of the season, sagged to a 73.