Harrison County property record for 103 State St, Bowerston, OH 44695
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 851 sqft · built 1950 |
| Owner | 2 Individual Names on File |
| Tax Bill | $590 (2025) |
| Deeds & Mortgages | May 2022 Second Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 16-0000234.000 |
| Primary APN | 16-0000234.000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Building Area | 851 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Construction Type | Frame |
| Roof Material | Shingle |
| Terrain | Rolling |
| Shed | 1 Shed |
| Shed Area | 336 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Street Address | 103 STATE ST |
|---|---|
| City | BOWERSTON |
| State | OH |
| Zip | 44695 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 LYONS 103 PENN AVE |
| Legal Lot Number | 1 |
| Jurisdiction | HARRISON OH |
| Township / Civil Division | MONROE |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 975700 |
103 State St is owned and occupied by two individuals who acquired it in May 2002.
Source: Harrison County records, as of February 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 PENN AVE, BOWERSTON, OH 44695-9791 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2002 |
| Deed Sale | May 22, 2002 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON OH |
| Property Address | 103 STATE ST, BOWERSTON, OH 44695 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 103 PENN AVE, BOWERSTON, OH 44695-9791 |
| Document Number | 000279/474 |
|---|---|
| Date | May 5, 2022 |
| Book Page | 279/474 |
| Instrument | 202200001502 |
| Name | DIRECTIONS CU |
|---|---|
| Type | Credit Union |
| Address | TOLEDO, OH 43604 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 1, 2032 |
The 2025 property tax bill for 103 State St was $590 with exemptions applied, up 0.2% from the year before.
Source: Harrison County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Harrison County |
| County Subdivision | Monroe Township |
| Municipality | Bowerston Village |
| Unified School District | Conotton Valley Union Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $590.00 (+0.17%) Homeowner's exemption Additional exemption filed | $14,010 (-) Land $3,850 Building $10,160 | |
| 2024 | $589.00 (+1.55%) Homeowner's exemption Additional exemption filed | $14,010 (-) Land $3,850 Building $10,160 | |
| 2023 | $580.00 (+28.6%) Homeowner's exemption Additional exemption filed | $14,010 (+35.89%) Land $3,850 Building $10,160 | $40,030 Land $11,000 Building $29,030 |
| 2022 | $451.00 Homeowner's exemption Additional exemption filed | $10,310 Land $2,700 Building $7,610 | |
| 2020 | $29,450 Land $7,710 Building $21,740 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 State St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 4, 2009 · 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 23 (1979–2005) |
| Claims Outside the SFHA | 2 of 23 |
| Most Recent Claim | Jan 2005 · Severe Winter Storms, Flooding, And Mudslides |
| Claims by Event |
|
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 risk around 103 State St is low, with 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 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BOWERSTON VILLAGE PWS serves 483 people · EPA ID OH3400112 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Smart Way Communications Fixed Wireless | 250 / 50 |
5G (outdoors only) and 4G LTE
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