10120 Rutledge Rd, Howard, OH 43028 Property Records

Knox County property record for 10120 Rutledge Rd, Howard, OH 43028

Property Summary

Property Type	Rural Home
Details	6 bd · 2 ba · 2,560 sqft · built 1997
Lot Size	26 acres (1,133,257 sqft)
Owner	Individual Name on Record
Tax Bill	$5,639 (2025)
Deeds & Mortgages	Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-00862.000`

Property Details

APN / Parcel Number

Primary APN	`08-00862.000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,560 sqft Living Area
Gross Area	1,056 sqft
1st Floor Area	1,984 sqft
Basement Area	1,408 sqft
Finished Basement	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2017
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	1,133,257 sqft (26 acres)
Porch	Porch
Porch Area	1,232 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	10120 RUTLEDGE RD
City	HOWARD
State	OH
Zip	43028-9792
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	10 6 2 PT S PT SW OF 3 26.016A
Jurisdiction	KNOX OH
Township / Civil Division	BUTLER
Census Block Group	2
Census Block	2083
Census Tract	6700

Owner

Source: Knox County records, as of April 10, 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	10120 RUTLEDGE RD, HOWARD, OH 43028-9792
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2013
Deed Sale	Dec 16, 2013
Prior Sale	Mar 6, 1997 · Amount on Record
Deed Document Number	201311432
Deed Book / Page	1439 / 770
Prior Transfer Date	Aug 10, 2012
Prior Transfer Doc	0013550509
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX OH
Property Address	10120 RUTLEDGE RD, HOWARD, OH 43028-9792
Document Number	0017020728
Instrument Date	Dec 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10120 RUTLEDGE RD HOWARD OH 430289792, HOWARD, OH 43028-9792

Mortgage

Document Number	0017020728
Date	Dec 18, 2018
Book Page	001702/000728
Instrument	10664

Lender

Name	KILLBUCK SVGS BK
Type	Federal Savings Bank
Address	KILLBUCK, OH 44637

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 17, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Knox County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Knox County
County Subdivision	Butler Township
Unified School District	East Knox Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$403,200 (+13.46%) Land $142,480 Building $260,720
2025	$5,639.00 (+12.51%)	$141,120 (+13.45%) Land $49,870 Building $91,250
2024	$5,012.00 (+0.36%)	$124,390 (-) Land $49,870 Building $74,520
2023	$4,994.00 (+21.66%)	$124,390 (+41%) Land $49,870 Building $74,520	$355,380 (+41%) Land $142,480 Building $212,900
2022	$4,105.00	$88,220 Land $35,370 Building $52,850
2020			$252,040 Land $101,050 Building $150,990

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 7, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2005)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 2005 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 2 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

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

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20