103 Bay St, Sidney, OH 45365 Property Records

Shelby County property record for 103 Bay St, Sidney, OH 45365 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,652 sqft · built 1899
Lot Size	0.114 acres (4,960 sqft)
Owner	2 Individual Names on File
Last Sale	$184,900 (Nov 2024)
Tax Bill	$1,570 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`01-1836453.001`

Property Details

APN / Parcel Number

Primary APN	`01-1836453.001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,652 sqft Living Area
1st Floor Area	826 sqft
Upper Floors Area	826 sqft
Basement Area	802 sqft
Unfinished Basement	802 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Construction Type	Brick
Roof Material	Shingle
Lot Area	4,960 sqft (0.114 acres)
Lot Dimensions	124 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	52 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	103 BAY ST
City	SIDNEY
State	OH
Zip	45365-3207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1515 WPT EX 020-18-36-453-001
Legal Lot Number	1515
Jurisdiction	SHELBY OH
Township / Civil Division	CLINTON
Census Block Group	4
Census Block	4008
Census Tract	972000

Owner

Source: Shelby County records · APN 01-1836453.001

Assessment roll updated March 24, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	103 BAY ST, SIDNEY, OH 45365-3207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 08, 2022	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Feb 26, 2019	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 15, 2024 · Amount on Record
Deed Sale	Nov 15, 2024 · Amount on Record
Prior Sale	Feb 26, 2019 · Amount on Record
Deed Document Number	20245368
Deed Book / Page	2322 / 5127
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY OH
Property Address	103 BAY ST, SIDNEY, OH 45365-3207
Transaction Type	Mortgage
Record Updated	Jul 06, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 BAY ST, SIDNEY, OH 45365-3207

Mortgage

Document Number	002315/515
Date	Jun 20, 2023
Book Page	2315/515
Instrument	202302620

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 03, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY OH
Property Address	103 BAY ST, SIDNEY, OH 45365-3207
Transaction Type	Mortgage
Record Updated	Feb 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 BAY ST, SIDNEY, OH 45365-3207

Mortgage

Document Number	02307/1250
Date	Feb 08, 2022
Book Page	2307/1250
Instrument	202200715

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	235 Months
Due	Sep 03, 2041

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY OH
Recording Date	Feb 26, 2019
Property Address	103 BAY ST, SIDNEY, OH 45365-3207
Document Number	002161/091
Book / Page	2161 / 091
Instrument Date	Feb 25, 2019
Instrument	201900000897
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	103 BAY ST, SIDNEY, OH 45365-3207

Mortgage

Document Number	201900000898
Date	Feb 26, 2019
Instrument	201900000898

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2049

Tax Assessment & Valuation

Source: Shelby County records · Assessment roll updated March 24, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Shelby County
County Subdivision	Clinton Township
Municipality	Sidney City
Unified School District	Sidney City School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,570.00 (-6.04%)	$48,660 (-) Land $5,000 Building $43,660
2024	$1,671.00 (-2.28%) Homeowner's exemption	$48,660 (-) Land $5,000 Building $43,660
2023	$1,710.00 (+17.61%) Homeowner's exemption	$48,660 (+32.84%) Land $5,000 Building $43,660	$139,030 (+32.83%) Land $14,280 Building $124,750
2022	$1,454.00 Homeowner's exemption	$36,630 Land $3,710 Building $32,920
2020			$104,670 Land $10,600 Building $94,070

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Shelby County (39149C), updated January 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391499720004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 23 individual NFIP policies nearby
Nearby Flood Policies	23 in force
Nearby Flood Claims	21 (1979–2018)
Claims Outside the SFHA	2 of 21
Most Recent Claim	Apr 2018, rainfall accumulation
Claims By Storm	Severe Storms And Flooding, Aug 1995 · 6 claims Severe Storms, Tornadoes & Flooding, Jul 1992 · 8 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 547 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
New Knoxville Telephone Company/GoldStar Communications	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Benton Ridge Telephone Company	Fixed Wireless	400 / 40
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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