Shelby County property record for 14451 Charm Hill Dr, Sidney, OH 45365
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,394 sqft · built 1988 |
| Lot Size | 0.569 acres (24,780 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $190,000 (Aug 2015) |
| Tax Bill | $2,880 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Feb 2006 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-2207327.019 |
| Primary APN | 36-2207327.019 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,394 sqft Living Area |
| 1st Floor Area | 1,126 sqft |
| Upper Floors Area | 1,028 sqft |
| Basement Area | 741 sqft |
| Finished Basement | 740 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Frame |
| Roof Material | Shingle |
| Lot Area | 24,780 sqft (0.569 acres) |
| Lot Dimensions | 177 ft deep x 140 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 168 sqft |
| Patio Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 14451 CHARM HILL DR |
|---|---|
| City | SIDNEY |
| State | OH |
| Zip | 45365-9494 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 114 IN HICKORY DELL ESTATES SECTION 3 270-22-07-327-019PLAT V14 P8 |
| Legal Subdivision | HICKORY DELL ESTATES SUBDIVISION |
| Legal Lot Number | 114 |
| Jurisdiction | SHELBY OH |
| Township / Civil Division | ORANGE |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 972200 |
Source: Shelby County records, as of July 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 14451 CHARM HILL DR, SIDNEY, OH 45365-9494 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE ST HENRY BANK |
| Feb 21, 2006 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA ND |
| Jun 2, 2017 | Deed of Trust, Mortgage UNIVERSAL 1 CU |
| Jun 21, 2005 | Deed of Trust, Mortgage · Line of Credit 123LOAN LLC |
| Apr 16, 2014 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK IN NEW BREMEN |
| Jun 2, 2017 | Deed of Trust, Mortgage UNIVERSAL 1 CU |
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE ST HENRY BANK |
| Jul 1, 2009 | Survivorship Deed, Transfer · Line of Credit PEOPLES FSLA |
| Aug 11, 2008 | Sheriff's Deed, Foreclosure PROGRESSIVE LAND TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2015 · Amount on Record |
| Deed Sale | Aug 10, 2015 · Amount on Record |
| Prior Sale | Jul 1, 2009 · Amount on Record |
| Deed Document Number | 20153832 |
| Deed Book / Page | 2001 / 563 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 14451 CHARM HILL DR, SIDNEY, OH 45365-9494 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002251/526 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 2251/526 |
| Instrument | 202000006764 |
| Name | THE ST HENRY BANK |
|---|---|
| Type | Bank |
| Address | SAINT HENRY, OH 45883 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 14451 CHARM HILL DR, SIDNEY, OH 45365-9494 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Title Company | NETCO |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 001576/015 |
|---|---|
| Date | Feb 21, 2006 |
| Book Page | 1576/015 |
| Instrument | 200600001130 |
| Name | US BANK NA ND |
|---|---|
| Type | Bank |
| Address | 205 W 4TH ST, CINCINNATI, OH 45202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 14451 CHARM HILL DR, SIDNEY, OH 45365-9494 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002085/774 |
|---|---|
| Date | Jun 2, 2017 |
| Book Page | 2085/774 |
| Instrument | 201700003028 |
| Name | UNIVERSAL 1 CU |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45409 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jun 11, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 14451 CHARM HILL DR, SIDNEY, OH 45365-9494 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 001535/584 |
|---|---|
| Date | Jun 21, 2005 |
| Book Page | 1535/584 |
| Instrument | 200500004389 |
| Name | 123LOAN LLC |
|---|---|
| Type | Online Lender |
| Address | 85 ENTERPRISE STE 200, ALISO VIEJO, CA 92656 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | May 25, 2020 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 14451 CHARM HILL DR, SIDNEY, OH 45365-9494 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001949/465 |
|---|---|
| Date | Apr 16, 2014 |
| Book Page | 1949/465 |
| Instrument | 201400001644 |
| Name | FIRST NATIONAL BANK IN NEW BREMEN |
|---|---|
| Address | NEW BREMEN, OH 45869 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 14, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 14451 CHARM HILL DR, SIDNEY, OH 45365-9494 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2085/774 |
|---|---|
| Date | Jun 2, 2017 |
| Book Page | 2085/774 |
| Instrument | 201700003028 |
| Name | UNIVERSAL 1 CU |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45409 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jun 11, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 14451 CHARM HILL DR, SIDNEY, OH 45365-9494 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2251/526 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 2251/526 |
| Instrument | 202000006764 |
| Name | THE ST HENRY BANK |
|---|---|
| Type | Bank |
| Address | SAINT HENRY, OH 45883 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | SHELBY OH |
| Recording Date | Jul 1, 2009 |
| Property Address | 14451 CHARM HILL DR, SIDNEY, OH 45365-9494 |
| Document Number | 1735/352 |
| Book / Page | 1735 / 352 |
| Map Reference | MB14 PG8 |
| Instrument Date | Jul 1, 2009 |
| Instrument | 200900004046 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | ATTORNEY |
| 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 |
|---|---|
| Relationship | Joint Tenants |
| Address | 3345 SEVEN POINT CT, SIDNEY, OH 45365-9474 |
| Document Number | 001735/354 |
|---|---|
| Date | Jul 1, 2009 |
| Book Page | 1735/354 |
| Instrument | 200900004047 |
| Name | PEOPLES FSLA |
|---|---|
| Type | Lending Institution |
| Address | SIDNEY, OH 45365 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2039 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | SHELBY OH |
| Recording Date | Aug 11, 2008 |
| Property Address | 14451 CHARM HILL DR, SIDNEY, OH 45365-9494 |
| Document Number | 001697/576 |
| Book / Page | 1697 / 576 |
| Map Reference | MB14 PG8 |
| Instrument Date | Dec 14, 2007 |
| Instrument | 200800005077 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 16, 2026 |
| Title Company | PROGRESSIVE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3701 REGENT BLVD STE 200, 200, IRVING, TX 75063-2296 |
| Investor | Possibly a Property Investor |
Source: Shelby County assessment roll, as of March 24, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Shelby County |
| County Subdivision | Orange Township |
| Unified School District | Sidney City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,880.00 (-5.94%) | $87,360 (-) Land $13,300 Building $74,060 | |
| 2024 | $3,062.00 (+0.82%) Homeowner's exemption | $87,360 (-) Land $13,300 Building $74,060 | |
| 2023 | $3,037.00 (+8%) Homeowner's exemption | $87,360 (+26.48%) Land $13,300 Building $74,060 | $249,590 (+26.48%) Land $38,000 Building $211,590 |
| 2022 | $2,812.00 Homeowner's exemption | $69,070 Land $10,980 Building $58,090 | |
| 2020 | $197,330 Land $31,360 Building $165,970 |
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 January 21, 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 | 4 in force |
| Nearby Flood Claims | 10 (1992–2014) |
| Claims Outside the SFHA | 4 of 10 |
| Most Recent Claim | Feb 2014 · rainfall accumulation |
| Claims by Event |
|
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 96% of the US · lower than 81% 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: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Watch TV Fixed Wireless | 400 / 40 |
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