Delaware County property record for 112 Saddle Tree Ct, Delaware, OH 43015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,148 sqft · built 2004 |
| Lot Size | 0.491 acres (21,388 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $417,500 (Aug 2026) |
| Tax Bill | $5,103 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jun 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 519-422-04-008-000 |
| Primary APN | 519-422-04-008-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,148 sqft Living Area |
| Gross Area | 3,228 sqft |
| 1st Floor Area | 980 sqft |
| Upper Floors Area | 1,168 sqft |
| Basement Area | 700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 21,388 sqft (0.491 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 78 sqft |
| Patio Area | 192 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 112 SADDLE TREE CT |
|---|---|
| City | DELAWARE |
| State | OH |
| Zip | 43015-8297 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8512 SHELBOURNE FOREST PHX |
| Legal Subdivision | SHELBOURNE FOREST PHX |
| Legal Lot Number | 8512 |
| Jurisdiction | DELAWARE OH |
| Township / Civil Division | DELAWARE CITY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 10420 |
Source: Delaware County records, as of September 22, 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 Record |
|---|---|
| Mailing Address | 112 SADDLE TREE CT, DELAWARE, OH 43015-8297 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES |
| Jun 13, 2022 | Deed of Trust, Mortgage · Line of Credit UNITED SAVINGS BANK |
| Aug 11, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage THIRD FSLA OF CLEVELAND |
| Jul 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Nov 9, 2020 | Deed of Trust, Mortgage · Line of Credit UNITED SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2026 · Amount on Record |
| Deed Sale | Aug 27, 2026 · Amount on Record |
| Prior Sale | Aug 11, 2023 · Amount on Record |
| Deed Document Number | 202623506 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELAWARE OH |
| Recording Date | Aug 27, 2026 |
| Property Address | 112 SADDLE TREE CT, DELAWARE, OH 43015-8297 |
| Document Number | 0000023506 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 202623506 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2026 |
| Title Company | CALIBER TITLE LLC, CALIBER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $126,502.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 112 SADDLE TREE CT, DELAWARE, OH 43015-8297 |
| Document Number | 0000023507, |
|---|---|
| Date | Aug 27, 2026 |
| Instrument | 202623507 |
| Name | INNOVATIVE MORTGAGE SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 112 SADDLE TREE CT, DELAWARE, OH 43015-8297 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 112 SADDLE TREE CT, DELAWARE, OH 43015-8297 |
| Document Number | 0000017765 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 1971/2131 |
| Instrument | 202200017765 |
| Name | UNITED SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | May 27, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELAWARE OH |
| Recording Date | Aug 11, 2023 |
| Property Address | 112 SADDLE TREE CT, DELAWARE, OH 43015-8297 |
| Document Number | 0000017121 |
| Book / Page | 2047 / 2345 |
| Map Reference | CAB 3 SL 126 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 202300017121 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 112 SADDLE TREE CT, DELAWARE, OH 43015-8297 |
| Document Number | 0000017122 |
|---|---|
| Date | Aug 11, 2023 |
| Instrument | 202300017122 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 112 SADDLE TREE CT, DELAWARE, OH 43015-8297 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000024201 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | 1744/645 |
| Instrument | 202000024201 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 112 SADDLE TREE CT, DELAWARE, OH 43015-8297 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000045088 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | 1790/2841 |
| Instrument | 202000045088 |
| Name | UNITED SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Sep 28, 2030 |
Source: Delaware County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Delaware County |
| Municipality | Delaware City |
| Unified School District | Delaware City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,103.00 (+5.37%) | $102,590 (-) Land $22,540 Building $80,050 | $293,100 (-) Land $64,400 Building $228,700 |
| 2024 | $4,843.00 (-0.19%) Homeowner's exemption | $102,590 (-) Land $22,540 Building $80,050 | $293,100 (-) Land $64,400 Building $228,700 |
| 2023 | $4,852.00 (+7.97%) Homeowner's exemption | $102,590 (+24.41%) Land $22,540 Building $80,050 | $293,100 (+24.41%) Land $64,400 Building $228,700 |
| 2022 | $4,494.00 Homeowner's exemption | $82,460 Land $15,400 Building $67,060 | |
| 2020 | $235,600 Land $44,000 Building $191,600 |
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 June 3, 2026 · 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 Policies | 3 in force |
| Nearby Flood Claims | 2 (2016–2017) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2017 · rainfall accumulation |
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 | Low lower than 94% of the US · lower than 71% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DELAWARE CITY PWS serves 43,895 people · EPA ID OH2100311 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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