Madison County property record for 148 Willow St, Mount Sterling, OH 43143
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,180 sqft · built 1960 |
| Lot Size | 0.168 acres (7,350 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $130,000 (Feb 2019) |
| Tax Bill | $1,461 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Feb 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-00538.000 |
| Primary APN | 18-00538.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,180 sqft Living Area |
| 1st Floor Area | 1,180 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,350 sqft (0.168 acres) |
| Lot Dimensions | 105 ft deep x 70 ft wide |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 108 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 021652-2 |
|---|---|
| Street Address | 148 WILLOW ST |
| City | MOUNT STERLING |
| State | OH |
| Zip | 43143-1046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 28 WESTWOOD |
| Legal Subdivision | MT STRING |
| Jurisdiction | MADISON OH |
| Township / Civil Division | PLEASANT |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 41200 |
148 Willow St is owned and occupied by two individuals who acquired it in February 2022.
Source: Madison County records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 148 WILLOW ST, MOUNT STERLING, OH 43143-1046 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 22, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Feb 28, 2019 | Warranty Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2019 · Amount on File |
| Deed Sale | Feb 28, 2019 · Amount on File |
| Prior Sale | Oct 2, 2014 · Amount on File |
| Deed Document Number | 2019836 |
| Deed Book / Page | 349 / 1709 |
| Last Transfer Date | Feb 10, 2022 |
| Transfer Doc | 0000001026 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON OH |
| Recording Date | Feb 22, 2022 |
| Property Address | 148 WILLOW ST, MOUNT STERLING, OH 43143-1046 |
| Document Number | 0000001026 |
| Book / Page | 397 / 1990 |
| Instrument Date | Feb 10, 2022 |
| Instrument | 202200001026 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 148 WILLOW ST, MOUNT STERLING, OH 43143-1046 |
| Document Number | 0000001027 |
|---|---|
| Date | Feb 22, 2022 |
| Instrument | 202200001027 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON OH |
| Recording Date | Feb 28, 2019 |
| Property Address | 148 WILLOW ST, MOUNT STERLING, OH 43143-1046 |
| Document Number | 0000000836 |
| Book / Page | 349 / 1709 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 201900000836 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 225 PICTORIA DR STE 700, 700, CINCINNATI, OH 45246-1620 |
| Document Number | 0000000837 |
|---|---|
| Date | Feb 28, 2019 |
| Instrument | 201900000837 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
The 2025 property tax bill for 148 Willow St was $1,461 with a homeowner's exemption, down 4.3% from the year before.
Source: Madison County assessment roll, as of February 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Madison County |
| County Subdivision | Pleasant Township |
| Municipality | Mount Sterling Village |
| Unified School District | Madison-Plains Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,461.00 (-4.26%) Homeowner's exemption | $43,610 (-) Land $13,590 Building $30,020 | |
| 2024 | $1,526.00 (+6.71%) Homeowner's exemption | $43,610 (-) Land $13,590 Building $30,020 | |
| 2023 | $1,430.00 (+20.27%) Homeowner's exemption | $43,610 (+35.77%) Land $13,590 Building $30,020 | $124,610 Land $38,830 Building $85,780 |
| 2022 | $1,189.00 Homeowner's exemption | $32,120 Land $10,010 Building $22,110 | |
| 2020 | $91,770 Land $28,600 Building $63,170 |
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.
FEMA maps place 148 Willow St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 16, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 148 Willow St 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 | None beyond ember reach |
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 | MOUNT STERLING VILLAGE PWS serves 2,059 people · EPA ID OH4900812 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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