18255 Pence Rd, Sidney, OH 45365 Property Records

Shelby County property record for 18255 Pence Rd, Sidney, OH 45365

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,168 sqft · built 2003
Lot Size	9.38 acres (408,941 sqft)
Owner	2 Individual Names on File
Last Sale	$620,000 (Dec 2025)
Tax Bill	$4,578 (2025)
Deeds & Mortgages	May 2018 Line of Credit Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-2119100.003`

Property Details

APN / Parcel Number

Primary APN	`38-2119100.003`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,168 sqft Living Area
1st Floor Area	1,384 sqft
Upper Floors Area	784 sqft
Basement Area	1,384 sqft
Unfinished Basement	1,384 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Rustic
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	408,941 sqft (9.38 acres)
Garage Type	Basement
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	320 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	18255 PENCE RD
City	SIDNEY
State	OH
Zip	45365-7279
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R14 T01 S19 PT NW FR QR 280-21-19-100-003
Jurisdiction	SHELBY OH
Township / Civil Division	PERRY
Census Block Group	1
Census Block	1000
Census Tract	972200

Owner

18255 Pence Rd is owned and occupied by two individuals who bought it in December 2025.

Source: Shelby County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18255 PENCE RD, SIDNEY, OH 45365-7279
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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

Deeds, Mortgages & Sale History

Date	Document
May 7, 2018	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Feb 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Dec 12, 2025	Survivorship Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on File
Deed Sale	Dec 12, 2025 · Amount on File
Prior Sale	Jan 29, 2014 · Amount on File
Deed Document Number	20256263
Deed Book / Page	2329 / 2286
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY OH
Property Address	18255 PENCE RD, SIDNEY, OH 45365-7279
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002127/192
Date	May 7, 2018
Book Page	2127/192
Instrument	201800002186

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY OH
Property Address	18255 PENCE RD, SIDNEY, OH 45365-7279
Transaction Type	Mortgage
Record Updated	Dec 23, 2025
Title Company	LANDSTAR TITLE AGENCY INC, LANDMARK TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002072/358
Date	Feb 10, 2017
Book Page	2072/358
Instrument	201700000902

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2032

December 2025: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	SHELBY OH
Recording Date	Dec 12, 2025
Property Address	18255 PENCE RD, SIDNEY, OH 45365-7279
Document Number	02329/2286
Book / Page	2329 / 2286
Instrument Date	Nov 26, 2025
Instrument	202506263
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18255 PENCE RD, SIDNEY, OH 45365-7279

Mortgage

Document Number	0202506264
Date	Dec 12, 2025
Instrument	202506264

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 18255 Pence Rd was $4,578 with a homeowner's exemption, down 2.8% from the year before.

Source: Shelby County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Shelby County
County Subdivision	Perry Township
Unified School District	Fairlawn Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,578.00 (-2.78%)	$144,190 (-) Land $26,790 Building $117,400
2024	$4,709.00 (-0.44%) Homeowner's exemption	$144,190 (-) Land $26,790 Building $117,400
2023	$4,730.00 (+0.25%) Homeowner's exemption	$144,190 (+22.82%) Land $26,790 Building $117,400	$411,990 Land $76,550 Building $335,440
2022	$4,718.00 Homeowner's exemption	$117,400 Land $21,570 Building $95,830
2020			$335,420 Land $61,630 Building $273,790

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.

Flood

FEMA maps place 18255 Pence 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 January 21, 2026 · 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
Nearby Flood Policies	4 in force

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 18255 Pence Rd is low, with 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Watch TV.

Cell Coverage

5G (outdoors only) and 4G LTE

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