1277 Apple Valley Dr, Howard, OH 43028 Property Records

Knox County property record for 1277 Apple Valley Dr, Howard, OH 43028

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,106 sqft · built 1978
Lot Size	0.265 acres (11,543 sqft)
Owner	2 Individual Names on Record
Last Sale	$194,400 (Jan 2024)
Tax Bill	$1,578 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-00354.000`

Property Details

APN / Parcel Number

Primary APN	`23-00354.000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,106 sqft Living Area
1st Floor Area	864 sqft
Attic	Attic
Attic Area	415 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Lot Area	11,543 sqft (0.265 acres)
Lot Dimensions	178 ft deep x 65 ft wide
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Electric

Location & Zoning

Street Address	1277 APPLE VALLEY DR
City	HOWARD
State	OH
Zip	43028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORCHARD HILLS LOT #354
Legal Subdivision	ORCHARD HILLS PLAT ONE
Legal Lot Number	354
Jurisdiction	KNOX OH
Township / Civil Division	HOWARD
Census Block Group	2
Census Block	2017
Census Tract	6801

Owner

Source: Knox County records, as of September 28, 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	436 REINHARD AVE, COLUMBUS, OH 43206-2757
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2024	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Feb 28, 2017	Warranty Deed, Transfer · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2024 · Amount on Record
Deed Sale	Jan 18, 2024 · Amount on Record
Prior Sale	Feb 28, 2017 · Amount on Record
Deed Document Number	2024418
Deed Book / Page	2006 / 278
Last Transfer Date	Apr 5, 2024
Transfer Doc	0000002350
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX OH
Property Address	1277 APPLE VALLEY DR, HOWARD, OH 43028
Transaction Type	Mortgage
Record Updated	May 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000419
Date	Jan 18, 2024
Book Page	2006/281
Instrument	202400000419

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KNOX OH
Recording Date	Feb 28, 2017
Property Address	1277 APPLE VALLEY DR, HOWARD, OH 43028
Document Number	0016070095
Book / Page	001607 / 000095
Instrument Date	Feb 9, 2017
Instrument	1645
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.00
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10539 ROSECRANS RD SUNBURY OH 430749294, SUNBURY, OH 43074-9294

Mortgage

Document Number	16070097
Date	Feb 28, 2017
Book Page	001607/000097
Instrument	1646

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.75%

Tax Assessment & Valuation

Source: Knox County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Knox County
County Subdivision	Howard Township
Unified School District	East Knox Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$114,390 (-) Land $8,980 Building $105,410
2025	$1,578.00 (-4.36%)	$40,030 (-) Land $3,140 Building $36,890
2024	$1,650.00 (+0.3%)	$40,030 (-) Land $3,140 Building $36,890
2023	$1,645.00 (+22.49%)	$40,030 (+42.96%) Land $3,140 Building $36,890	$114,390 (+43.01%) Land $8,980 Building $105,410
2022	$1,343.00	$28,000 Land $2,200 Building $25,800
2020			$79,990 Land $6,280 Building $73,710

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 7, 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 Policies	1 in force
Nearby Flood Claims	2 (2010–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2014 · 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.

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	KNOX COUNTY WATER AND WASTEWATER PWS private · serves 8,250 people · EPA ID OH4202012
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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