121 E Water St, Chillicothe, OH 45601 Property Records

Ross County property record for 121 E Water St, Chillicothe, OH 45601

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,968 sqft · built 1886
Lot Size	0.227 acres (9,901 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Apr 2018)
Tax Bill	$2,279 (2025)
Deeds & Mortgages	Dec 2022 Transfer Jan 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`30-54-05-027.000`

Property Details

APN / Parcel Number

Primary APN	`30-54-05-027.000`
Alternative APN	`540502`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,968 sqft Living Area
Gross Area	3,936 sqft
1st Floor Area	1,968 sqft
Basement Area	1,968 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Other
Lot Area	9,901 sqft (0.227 acres)
Lot Dimensions	198 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Deck Area	438 sqft
Shed	1 Shed
Shed Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	540502
Street Address	121 E WATER ST
City	CHILLICOTHE
State	OH
Zip	45601-2538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	121 E WATER ST RES CHILL 263 49.5X198 54 -5-27
Legal Subdivision	CHILLICOTHE
Legal Lot Number	263
Jurisdiction	ROSS OH
Township / Civil Division	SCIOTO
Census Block Group	1
Census Block	1081
Census Tract	956300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chillicothe Business District listed 1979 · 21 contributing resources · NRIS 79001931

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

121 E Water St is owned and occupied by an individual who bought it in April 2018.

Source: Ross County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	121 E WATER ST, CHILLICOTHE, OH 45601-2538
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
Dec 14, 2022	Transfer on Death Deed, Transfer
Jan 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Jan 30, 2019	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Apr 13, 2018	Warranty Deed, Transfer · Conventional Mortgage NOIC INC
Mar 5, 2018	Deed of Trust, Mortgage · Line of Credit HOMELAND CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2018 · Amount on File
Deed Sale	Apr 13, 2018 · Amount on File
Prior Sale	Jun 15, 2010 · Amount on File
Deed Document Number	20182557
Deed Book / Page	520 / 1785
Record Updated	Oct 29, 2026

December 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ROSS OH
Recording Date	Dec 14, 2022
Property Address	121 E WATER ST, CHILLICOTHE, OH 45601-2538
Document Number	0005651770
Book / Page	565 / 1770
Instrument Date	Dec 13, 2022
Instrument	202200009356
Transaction Type	Transfer
Record Updated	Dec 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 E WATER ST, CHILLICOTHE, OH 45601-2538

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSS OH
Property Address	121 E WATER ST, CHILLICOTHE, OH 45601-2538
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TRICO TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005301419
Date	Jan 2, 2019
Book Page	0530/1419
Instrument	201900000007

Lender

Name	PEOPLES BANK
Type	Bank
Address	MARIETTA, OH 45750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSS OH
Property Address	121 E WATER ST, CHILLICOTHE, OH 45601-2538
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	PATRIOT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005304090
Date	Jan 30, 2019
Book Page	0530/4090
Instrument	201900000624

Lender

Name	PEOPLES BANK
Type	Bank
Address	HILLSBORO, OH 45133

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 23, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSS OH
Property Address	121 E WATER ST, CHILLICOTHE, OH 45601-2538
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRICO TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005353960
Date	Sep 26, 2019
Book Page	0535/3960
Instrument	201900006807

Lender

Name	PEOPLES BANK
Type	Bank
Address	MARIETTA, OH 45750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSS OH
Recording Date	Apr 13, 2018
Property Address	121 E WATER ST, CHILLICOTHE, OH 45601-2538
Document Number	0005201785
Book / Page	0520 / 1785
Instrument Date	Apr 13, 2018
Instrument	201800002557
Transaction Type	Transfer
Record Updated	Jul 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	121 EASTERN AVE, CHILLICOTHE, OH 45601

Mortgage

Document Number	201800002558
Date	Apr 13, 2018
Instrument	201800002558

Lender

Name	NOIC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSS OH
Property Address	121 E WATER ST, CHILLICOTHE, OH 45601-2538
Document Number	0005190297
Instrument Date	Mar 5, 2018
Transaction Type	Mortgage
Record Updated	Mar 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 E WATER ST CHILLICOTHE OH 456012538, CHILLICOTHE, OH 45601-2538

Mortgage

Document Number	0005190297
Date	Mar 12, 2018
Book Page	000519/000297
Instrument	1707

Lender

Name	HOMELAND CU
Type	Credit Union
Address	CHILLICOTHE, OH 45601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 11, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 121 E Water St was $2,279 with a homeowner's exemption, up 45% from the year before.

Source: Ross County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ross County
County Subdivision	Scioto Township
Municipality	Chillicothe City
Unified School District	Chillicothe City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,279.00 (+44.97%)	$73,300 (+48.86%) Land $9,860 Building $63,440	$209,420 (+48.86%) Land $28,160 Building $181,260
2024	$1,572.00 (-3.14%) Homeowner's exemption Senior Citizen's exemption	$49,240 (-) Land $8,640 Building $40,600	$140,680 Land $24,680 Building $116,000
2023	$1,623.00 (-1.16%) Homeowner's exemption Senior Citizen's exemption	$49,240 (-) Land $8,640 Building $40,600
2022	$1,642.00 Homeowner's exemption Senior Citizen's exemption	$49,240 Land $8,640 Building $40,600	$140,680 Land $24,680 Building $116,000

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.

Flood

FEMA maps place 121 E Water St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 7, 2023 · 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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force

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

The area around 121 E Water St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Water System	CHILLICOTHE CITY PWS serves 21,725 people · EPA ID OH7100112
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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