1097 US Hwy 224, Nova, OH 44859 Property Records

Ashland County property record for 1097 US Hwy 224, Nova, OH 44859

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,832 sqft · built 2000
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,473 (2025)
Deeds & Mortgages	Mar 2007 Line of Credit Sep 2009 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`L36-005-0-0002-00`

Property Details

APN / Parcel Number

Primary APN	`L36-005-0-0002-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,832 sqft Living Area
1st Floor Area	1,832 sqft
Basement Area	1,832 sqft

Exterior

Year Built	Built 2000
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	174,240 sqft (4 acres)
Garage Area	2,234 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	144 sqft
Deck Area	316 sqft
Patio Area	316 sqft
Shed	1 Shed
Shed Area	288 sqft
Canopy	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	1097 US HIGHWAY 224
City	NOVA
State	OH
Zip	44859-9793
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1097 US RT 224 R=5 GL 21 A
Legal Subdivision	RUGGLES
Jurisdiction	ASHLAND OH
Township / Civil Division	RUGGLES
Census Block Group	1
Census Block	1031
Census Tract	970200

Owner

1097 US Hwy 224 is owned and occupied by two individuals who acquired it in June 2010.

Source: Ashland County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1097 US HIGHWAY 224, NOVA, OH 44859-9793
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2007	Deed of Trust, Mortgage · Line of Credit OHIO SAVINGS BANK FSB
Sep 15, 2009	Deed of Trust, Mortgage · Conventional Mortgage FIRSTMERIT MORTGAGE CORP
Jun 11, 2010	Affidavit of Death of Joint Tenant, Transfer
Aug 10, 2006	Survivorship Deed, Transfer · Conventional Mortgage OHIO SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2010
Deed Sale	Jun 11, 2010
Prior Sale	Aug 10, 2006 · Amount on File
Deed Document Number	201000002922
Record Updated	Jun 8, 2026

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND OH
Property Address	1097 US HIGHWAY 224, NOVA, OH 44859-9793
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000544/693
Date	Mar 30, 2007
Book Page	544/693
Instrument	200700002230

Lender

Name	OHIO SAVINGS BANK FSB
Type	Bank
Address	NOVA, OH 44859

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND OH
Property Address	1097 US HIGHWAY 224, NOVA, OH 44859-9793
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	FIRST MERIT TITLE, FIRSTMERIT TITLE AGENCY LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000626/667
Date	Sep 15, 2009
Book Page	626/667
Instrument	200900005302

Lender

Name	FIRSTMERIT MORTGAGE CORP
Type	Mortgage Company
Address	CANTON, OH 44708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2039

June 2010: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ASHLAND OH
Recording Date	Jun 11, 2010
Property Address	1097 US HIGHWAY 224, NOVA, OH 44859-9793
Document Number	000649/586
Book / Page	649 / 586
Instrument Date	Jun 11, 2010
Instrument	201000002922
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 TOWNSHIP ROAD 1101, NOVA, OH 44859-9749

August 2006: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	ASHLAND OH
Recording Date	Aug 10, 2006
Property Address	1097 US HIGHWAY 224, NOVA, OH 44859-9793
Document Number	000517/260
Book / Page	517 / 260
Instrument Date	Aug 10, 2006
Instrument	200600006402
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1097 US ROUTE 224, NOVA, OH 44859-9793

Mortgage

Document Number	000517/262
Date	Aug 10, 2006
Book Page	517/262
Instrument	200600006403

Lender

Name	OHIO SAVINGS BANK FSB
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 1097 US Hwy 224 was $3,473 with a homeowner's exemption.

Source: Ashland County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Ashland County
County Subdivision	Ruggles Township
Unified School District	Mapleton Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,473.00 Homeowner's exemption	$103,230 Land $19,560 Building $83,670
2023	$3,492.00 (+21.5%)	$103,230 (+34.99%) Land $19,560 Building $83,670	$294,950 Land $55,890 Building $239,060
2022	$2,874.00	$76,470 Land $14,490 Building $61,980
2020			$218,480 Land $41,400 Building $177,080

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

Flood

FEMA maps place 1097 US Hwy 224 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

Source: FEMA National Flood Hazard Layer, effective August 18, 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	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2006 · river or lake flooding

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 1097 US Hwy 224 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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