Shelby County property record for 109 E Water St, Sidney, OH 45365
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,816 sqft · built 1900 |
| Lot Size | 0.082 acres (3,569 sqft) |
| Owner | Company Name on Record |
| Last Sale | $82,250 (Feb 2026) |
| Tax Bill | $1,213 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Feb 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-1836259.007 |
| Primary APN | 01-1836259.007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,816 sqft Living Area |
| 1st Floor Area | 1,004 sqft |
| Upper Floors Area | 812 sqft |
| Basement Area | 812 sqft |
| Unfinished Basement | 812 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Brick |
| Roof Material | Shingle |
| Lot Area | 3,569 sqft (0.082 acres) |
| Lot Dimensions | 83 ft deep x 43 ft wide |
| Garage Type | Detached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 109 E WATER ST |
|---|---|
| City | SIDNEY |
| State | OH |
| Zip | 45365-3119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 337 PT OF SAID LOT IN THE CITY OF SIDNEY 020-18-36-259-007 |
| Legal Lot Number | 337 |
| Jurisdiction | SHELBY OH |
| Township / Civil Division | CLINTON |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 972000 |
Source: Shelby County records, as of July 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 931 WINFIELD CT, SIDNEY, OH 45365-1961 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Feb 4, 2026 | Quit Claim Deed, Transfer · Line of Credit MINSTER BANK |
| Feb 4, 2026 | Limited Warranty Deed, Transfer MORTGAGE CONNECT |
| Jun 10, 2022 | Warranty Deed, Transfer · Conventional Mortgage WESTERN OHIO MORTGAGE CORP |
| Aug 7, 2018 | Warranty Deed, Transfer · Conventional Mortgage WESTERN OHIO MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2026 · Amount on Record |
| Deed Sale | Feb 4, 2026 · Amount on Record |
| Prior Sale | Jun 16, 2025 · Amount on Record |
| Deed Document Number | 2026581 |
| Deed Book / Page | 2330 / 1394 |
| Prior Transfer Date | Jan 30, 2026 |
| Prior Transfer Doc | 02330/1397 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SHELBY OH |
| Recording Date | Feb 4, 2026 |
| Property Address | 109 E WATER ST, SIDNEY, OH 45365-3119 |
| Document Number | 02330/1397 |
| Book / Page | 2330 / 1397 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 202600582 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 931 WINFIELD CT, SIDNEY, OH 45365-1961 |
| Document Number | 0202600583 |
|---|---|
| Date | Feb 4, 2026 |
| Instrument | 202600583 |
| Name | MINSTER BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 5, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | SHELBY OH |
| Recording Date | Feb 4, 2026 |
| Property Address | 109 E WATER ST, SIDNEY, OH 45365-3119 |
| Document Number | 02330/1394 |
| Book / Page | 2330 / 1394 |
| Instrument Date | Jan 6, 2026 |
| Instrument | 202600581 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2026 |
| Title Company | MORTGAGE CONNECT |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11988 EXIT 5 PKWY # PKWY4, PKWY4, FISHERS, IN 46037-8021 |
| Name | Verified Name |
|---|---|
| Address | 931 WINFIELD CT, SIDNEY, OH 45365-1961 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY OH |
| Recording Date | Jun 10, 2022 |
| Property Address | 109 E WATER ST, SIDNEY, OH 45365-3119 |
| Document Number | 02309/3490 |
| Book / Page | 2309 / 3490 |
| Instrument Date | Jun 7, 2022 |
| Instrument | 202203309 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2022 |
| Title Company | CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 E WATER ST, SIDNEY, OH 45365-3119 |
| Document Number | 0202203310 |
|---|---|
| Date | Jun 10, 2022 |
| Instrument | 202203310 |
| Name | WESTERN OHIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY OH |
| Recording Date | Aug 7, 2018 |
| Property Address | 109 E WATER ST, SIDNEY, OH 45365-3119 |
| Document Number | 002138/582 |
| Book / Page | 2138 / 582 |
| Instrument Date | May 17, 2015 |
| Instrument | 201800004010 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | REPUBLIC TITLE COMPANY, REPUBLIC TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 109 E WATER ST, SIDNEY, OH 45365-3119 |
| Document Number | 201800004011 |
|---|---|
| Date | Aug 7, 2018 |
| Instrument | 201800004011 |
| Name | WESTERN OHIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2048 |
Source: Shelby County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Shelby County |
| County Subdivision | Clinton Township |
| Municipality | Sidney City |
| Unified School District | Sidney City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,213.00 (-6.04%) | $37,390 (-) Land $4,420 Building $32,970 | |
| 2024 | $1,291.00 (-35.45%) Homeowner's exemption | $37,390 (-) Land $4,420 Building $32,970 | |
| 2023 | $2,000.00 (+86.05%) Homeowner's exemption | $37,390 (+38.89%) Land $4,420 Building $32,970 | $106,830 (+38.85%) Land $12,640 Building $94,190 |
| 2022 | $1,075.00 Homeowner's exemption | $26,920 Land $3,240 Building $23,680 | |
| 2020 | $76,940 Land $9,270 Building $67,670 |
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.
Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 23 policies |
| 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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | SIDNEY CITY PWS serves 20,614 people · EPA ID OH7501214 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 547 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| NKTELCO - Goldstar Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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