1634 Borland Rd, Ray, OH 45672 Property Records

Jackson County property record for 1634 Borland Rd, Ray, OH 45672

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 2019
Lot Size	6.33 acres (276,040 sqft)
Owner	Individual Name on Record
Last Sale	$66,500 (May 2019)
Tax Bill	$3,274 (2025)
Deeds & Mortgages	Feb 2019 Construction Loan May 2019 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`E080040000900`

Property Details

APN / Parcel Number

Primary APN	`E080040000900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,620 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	276,040 sqft (6.33 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	208 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1634 BORLAND RD
City	RAY
State	OH
Zip	45672-9622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW NE
Legal Range	19
Legal Township	08
Legal Section	15
Jurisdiction	JACKSON OH
Township / Civil Division	JACKSON
Census Block Group	1
Census Block	1033
Census Tract	957400

Owner

Source: Jackson 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	1634 BORLAND RD, RAY, OH 45672-9622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2019	Deed of Trust, Mortgage · Construction Mortgage THE VINTON COUNTY NATIONAL BANK
May 3, 2019	Warranty Deed, Transfer · Construction Mortgage THE VINTON COUNTY NATIONAL BANK
Oct 26, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2019 · Amount on Record
Deed Sale	May 3, 2019 · Amount on Record
Prior Sale	Oct 26, 2018 · Amount on Record
Deed Document Number	20191369
Deed Book / Page	139 / 122
Prior Transfer Date	Apr 26, 2019
Prior Transfer Doc	139/0127
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OH
Property Address	1634 BORLAND RD, RAY, OH 45672-9622
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	NORTHWEST TITLE AGENCY-MN, NORTHWEST TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	137/1704
Date	Feb 15, 2019
Book Page	137/1704
Instrument	201900000519

Lender

Name	THE VINTON COUNTY NATIONAL BANK
Type	Bank
Address	MC ARTHUR, OH 45651

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	368 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Oct 1, 2026
Change Frequency	3 Years
Min Rate At Change	3.25%
Max Rate At Change	6.87%
Index	5-Year CMT
Max Rate	10.8%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OH
Recording Date	May 3, 2019
Property Address	1634 BORLAND RD, RAY, OH 45672-9622
Document Number	00139/0122
Book / Page	139 / 0122
Instrument Date	Apr 26, 2019
Instrument	201900001369
Transaction Type	Transfer
Record Updated	Apr 12, 2022
Title Company	NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1634 BORLAND RD, RAY, OH 45672-9622

Mortgage

Document Number	139/0127
Date	May 3, 2019
Book Page	139/0127
Instrument	201900001370

Lender

Name	THE VINTON COUNTY NATIONAL BANK
Type	Bank
Address	MC ARTHUR, OH 45651

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	365 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Oct 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	6.87%
Index	5-Year CMT
Max Rate	10.8%

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON OH
Recording Date	Oct 26, 2018
Property Address	1634 BORLAND RD, RAY, OH 45672-9622
Document Number	00135/0543
Book / Page	135 / 0543
Instrument Date	Oct 18, 2018
Instrument	201800003378
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Amount	Amount Recorded
Tax	$548.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1634 BORLAND RD, RAY, OH 45672-9622

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of March 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Jackson County
County Subdivision	Jackson Township
Unified School District	Jackson City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,274.00 (-3.51%) Homeowner's exemption	$72,210 (-) Land $10,310 Building $61,900	$206,320 (-) Land $29,470 Building $176,850
2023	$3,393.00 (+51.41%) Homeowner's exemption Senior Citizen's exemption	$72,210 (+53.02%) Land $10,310 Building $61,900
2022	$2,241.00 Homeowner's exemption Senior Citizen's exemption	$47,190 Land $8,050 Building $39,140
2020			$206,320 Land $29,470 Building $176,850

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 18, 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	4 in force
Nearby Flood Claims	14 (1997–2011)
Claims Outside the SFHA	3 of 14
Most Recent Claim	May 2011 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2011 · 8 claims Severe Storms, Flooding, And Tornadoes, Jun 1998 · 5 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

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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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