18490 Speck Rd, Freeport, OH 43973 Property Records

Guernsey County property record for 18490 Speck Rd, Freeport, OH 43973

Property Summary

Property Type	Rural Home
Details	2,300 sqft · built 2017
Lot Size	51.5 acres (2,246,215 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Aug 2019)
Tax Bill	$2,849 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`40-0000473.001`

Property Details

APN / Parcel Number

Primary APN	`40-0000473.001`
Alternative APN	`000270-2`

Interior

Stories	2 Stories
Building Area	2,300 sqft Living Area
1st Floor Area	1,640 sqft
Basement Area	1,640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Frame
Roof Material	Metal
Lot Area	2,246,215 sqft (51.5 acres)

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Shed	1 Shed
Shed Area	100 sqft
Pole Barn	1,280 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	000270-2
Street Address	18490 SPECK RD
City	FREEPORT
State	OH
Zip	43973-9669
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	R1 T4 SS03 PT NE 1/4
Legal Range	01W
Legal Township	04N
Legal Section	03
Legal Tract	4
Jurisdiction	GUERNSEY OH
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1004
Census Tract	977100

Owner

18490 Speck Rd, a rural home, is owned and occupied by two individuals who bought it in August 2019.

Source: Guernsey County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18490 SPECK RD, FREEPORT, OH 43973-9669
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 7, 2026	Deed of Trust, Mortgage · Line of Credit PARK NATIONAL BANK
Aug 26, 2019	Deed of Trust, Mortgage · ARM CENTURY NATIONAL BANK
Aug 1, 2019	Survivorship Deed, Transfer · ARM CENTURY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2019 · Amount on File
Deed Sale	Aug 1, 2019 · Amount on File
Prior Sale	Jan 21, 2011 · Amount on File
Deed Document Number	20194453
Deed Book / Page	564 / 1454
Prior Transfer Date	Jul 24, 2019
Prior Transfer Doc	564/1454
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	18490 SPECK RD, FREEPORT, OH 43973-9669
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00609/3486
Date	Jan 7, 2026
Book Page	609/3486
Instrument	202600000086

Lender

Name	PARK NATIONAL BANK
Type	Bank
Address	NEWARK, OH 43058

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 16, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	18490 SPECK RD, FREEPORT, OH 43973-9669
Transaction Type	Mortgage
Record Updated	Jul 12, 2021
Title Company	ALBAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	564/3719
Date	Aug 26, 2019
Book Page	564/3719
Instrument	201900004928

Lender

Name	CENTURY NATIONAL BANK
Type	Bank
Address	ZANESVILLE, OH 43701

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

August 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	GUERNSEY OH
Recording Date	Aug 1, 2019
Property Address	18490 SPECK RD, FREEPORT, OH 43973-9669
Document Number	564/1454
Book / Page	564 / 1454
Instrument Date	Jul 24, 2019
Instrument	201900004453
Transaction Type	Transfer
Record Updated	Jul 12, 2021
Title Company	ALBAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	18490 SPECK RD, FREEPORT, OH 43973-9669

Mortgage

Document Number	5641456
Date	Aug 1, 2019
Instrument	564/1456

Lender

Name	CENTURY NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 18490 Speck Rd was $2,849, down 0.3% from the year before.

Source: Guernsey County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Guernsey County
County Subdivision	Washington Township
Unified School District	East Guernsey Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,849.00 (-0.28%) Additional exemption filed	$103,524 (-) Land $48,906 Building $54,618
2024	$2,857.00 Additional exemption filed	$103,524 Land $48,906 Building $54,618	$295,780 Land $139,730 Building $156,050
2023	Additional exemption filed
2022	$2,386.00 Additional exemption filed	$59,290 Land $11,380 Building $47,910	$169,410 Land $32,520 Building $136,890

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 18490 Speck Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 16, 2011

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

Wildfire risk around 18490 Speck Rd is low, with a 0.02% 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	0.02% 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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