10 River St, Ripley, OH 45167 Property Records

Brown County property record for 10 River St, Ripley, OH 45167

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,176 sqft · built 2022
Lot Size	1.42 acres (61,986 sqft)
Owner	Company Name on File
Tax Bill	$4,224 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`038575-7`

Property Details

APN / Parcel Number

Primary APN	`038575-7`
Alternative APN	`41-080036-01-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,176 sqft Living Area
1st Floor Area	594 sqft
Upper Floors Area	1,582 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Lot Area	61,986 sqft (1.42 acres)
Garage Type	Mixed
Garage Area	2,068 sqft
Parking Spaces	8 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	038575-7
Street Address	10 RIVER ST
City	RIPLEY
State	OH
Zip	45167-1349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S.418 1.423 ACRES
Jurisdiction	BROWN OH
Township / Civil Division	UNION
Census Block Group	1
Census Block	1028
Census Tract	951700

Owner

10 River St is owned by a company and is owner-occupied.

Source: Brown County records, as of April 14, 2026

Owner of Record	Company Name on File
Mailing Address	10 RIVER ST, RIPLEY, OH 45167-1349
Occupancy	Owner Occupied
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Jul 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Dec 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BROWN OH
Property Address	10 RIVER ST, RIPLEY, OH 45167-1349
Transaction Type	Mortgage
Record Updated	Feb 16, 2026
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000336
Date	Jan 18, 2022
Book Page	514/1
Instrument	202200000336

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	368 Months
Due	Sep 1, 2052

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BROWN OH
Property Address	10 RIVER ST, RIPLEY, OH 45167-1349
Transaction Type	Mortgage
Record Updated	Feb 16, 2026
Title Company	AMERICAN HOME TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 VICTORIA ST, RIPLEY, OH 45167-1213

Mortgage

Document Number	0000003969
Date	Jul 11, 2022
Book Page	517/2070
Instrument	202200003969

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	BENSON, MD 21018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	362 Months
Due	Sep 15, 2052

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BROWN OH
Property Address	10 RIVER ST, RIPLEY, OH 45167-1349
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007131
Date	Dec 29, 2022
Book Page	520/1270
Instrument	202200007131

Lender

Name	PEOPLES BANK
Type	Bank
Address	MARIETTA, OH 45750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	9.62%
Index	1-Year T-Bill
Margin	3
Max Rate	13.6%

Tax Assessment & Valuation

The 2025 property tax bill for 10 River St was $4,224 with a homeowner's exemption.

Source: Brown County assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Brown County
County Subdivision	Union Township
Municipality	Ripley Village
Unified School District	Ripley-Union-Lewis-Huntington Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,224.00	$131,450 (-) Land $16,250 Building $115,200
2024	$4,224.00 (+28.43%) Homeowner's exemption	$131,450 (+44.01%) Land $16,250 Building $115,200	$375,590 Land $46,440 Building $329,150
2023	$3,289.00 (+409.13%) Homeowner's exemption	$91,280 (+420.11%) Land $11,460 Building $79,820
2022	$646.00	$17,550 Land $11,460 Building $6,090
2021			$260,800 Land $32,730 Building $228,070

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 River St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 29, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	43 (1979–1997)
Claims Outside the SFHA	3 of 43
Most Recent Claim	Mar 1997 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 1997 · 36 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10 River St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 78% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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