14 Ray Rd, Shelby, OH 44875 Property Records

Richland County property record for 14 Ray Rd, Shelby, OH 44875

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1958
Lot Size	0.173 acres (7,532 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Mar 1996)
Tax Bill	$743 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`046-08-221-38-000`

Property Details

APN / Parcel Number

Primary APN	`046-08-221-38-000`
Alternative APN	`04074`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum Siding
Lot Area	7,532 sqft (0.173 acres)
Lot Dimensions	81 ft deep x 93 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	160 sqft
Patio Area	179 sqft
Canopy	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	14 RAY RD
City	SHELBY
State	OH
Zip	44875-1518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHELBY CITY 3863 CT PT 92.7 X 71.56 X RAY RD
Legal Subdivision	SHELBY
Jurisdiction	RICHLAND OH
Township / Civil Division	SHARON
Census Block Group	2
Census Block	2003
Census Tract	2500

Owner

14 Ray Rd is owned and occupied by an individual who bought it in March 1996.

Source: Richland County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	14 RAY RD, SHELBY, OH 44875-1518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Jun 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Dec 26, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Mar 22, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 1996 · Amount on File
Deed Sale	Mar 21, 1996 · Amount on File
Prior Sale	Mar 1, 1987 · Amount on File
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Recording Date	Jun 15, 2026
Property Address	14 RAY RD, SHELBY, OH 44875-1518
Document Number	0000006807
Book / Page	3043 / 4928
Instrument Date	Jun 8, 2026
Instrument	20266807
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 RAY RD, SHELBY, OH 44875-1518
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006807,
Date	Jun 15, 2026
Book Page	3043/4928
Instrument	20266807

Lender

Name	ROYAL UNITED MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	14 RAY RD, SHELBY, OH 44875-1518
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2545/0399
Date	Jun 1, 2017
Book Page	2545/0399
Instrument	201700006769

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2027

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	14 RAY RD, SHELBY, OH 44875-1518
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2754/0317
Date	Dec 26, 2019
Book Page	2754/0317
Instrument	201900014981

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	14 RAY RD, SHELBY, OH 44875-1518
Transaction Type	Mortgage
Record Updated	Apr 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2687/0141
Date	Mar 22, 2019
Book Page	2687/0141
Instrument	201900002868

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 14 Ray Rd was $743 with a homeowner's exemption, up 0.1% from the year before.

Source: Richland County assessment roll, as of April 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Richland County
County Subdivision	Sharon Township
Municipality	Shelby City
Unified School District	Shelby City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$743.00 (+0.13%)	$30,360 (-) Land $4,610 Building $25,750
2024	$742.00 (-37.7%)	$30,360 (-) Land $4,610 Building $25,750
2023	$1,191.00 (+17.34%)	$30,360 (+30.97%) Land $4,610 Building $25,750	$86,720 Land $13,160 Building $73,560
2022	$1,015.00	$23,180 Land $4,410 Building $18,770
2020			$66,240 Land $12,600 Building $53,640

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

Flood

FEMA maps place 14 Ray Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2007)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2007 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 2 claims

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 14 Ray Rd is low, with less than 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 98% of the US · lower than 90% 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.

Drinking Water

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

Water System	SHELBY CITY serves 9,453 people · EPA ID OH7004511
Water Source	Surface water
Last State Inspection	Feb 2025
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Watch TV.

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