Jefferson County property record for 186 Main St, Rayland, OH 43943
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,636 sqft · built 1920 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,073 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Mar 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 42-00287-000 |
| Primary APN | 42-00287-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,636 sqft Living Area |
| 1st Floor Area | 916 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Area | 352 sqft |
| Cooling System | None |
|---|
| Street Address | 186 MAIN ST |
|---|---|
| City | RAYLAND |
| State | OH |
| Zip | 43943-9741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2-4-17 169 A LAND 0.369 MAP-42-3-192 COMB W42-00286 |
| Jurisdiction | JEFFERSON OH |
| Township / Civil Division | WARREN |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 12300 |
186 Main St is owned and occupied by an individual.
Source: Jefferson County records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 186 MAIN ST, RAYLAND, OH 43943-9741 |
| 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.
| Date | Document |
|---|---|
| Mar 28, 2022 | Deed, Transfer · Conventional Mortgage POLARIS HOME FUNDING CORP |
| Mar 28, 2022 | Deed, Transfer · Conventional Mortgage POLARIS HOME FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | JEFFERSON OH |
| Recording Date | Mar 28, 2022 |
| Property Address | 186 MAIN ST, RAYLAND, OH 43943-9741 |
| Document Number | 001509/424 |
| Book / Page | 1509 / 424 |
| Instrument Date | Mar 25, 2022 |
| Instrument | 375432 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2022 |
| Title Company | RIO VALLEY TITLE, OHIO VALLEY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 MAIN ST, RAYLAND, OH 43943-9741 |
| Document Number | 0000375433 |
|---|---|
| Date | Mar 28, 2022 |
| Instrument | 375433 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | JEFFERSON OH |
| Recording Date | Mar 28, 2022 |
| Property Address | 186 MAIN ST, RAYLAND, OH 43943-9741 |
| Document Number | 001509/424 |
| Book / Page | 1509 / 424 |
| Instrument Date | Mar 25, 2022 |
| Instrument | 375432 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | RIO VALLEY TITLE, OHIO VALLEY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 MAIN ST, RAYLAND, OH 43943-9741 |
| Document Number | 0000375433 |
|---|---|
| Date | Mar 28, 2022 |
| Instrument | 375433 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 186 Main St was $1,073.
Source: Jefferson County assessment roll, as of April 7, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Jefferson County |
| County Subdivision | Warren Township |
| Municipality | Rayland Village |
| Unified School District | Buckeye Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,073.00 | $26,513 (-) Land $3,080 Building $23,433 | |
| 2024 | $1,073.00 | $26,513 Land $3,080 Building $23,433 | $75,750 Land $8,800 Building $66,950 |
| 2022 | $1,229.00 | $21,004 Land $2,632 Building $18,372 | |
| 2021 | $60,010 Land $7,520 Building $52,490 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 5, 2006 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1979–1985) |
| Most Recent Claim | Nov 1985 · river or lake flooding |
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 risk around 186 Main St 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | RAYLAND VILLAGE PWS serves 417 people · EPA ID OH4101803 |
|---|---|
| Water Source | Purchased groundwater from TILTONSVILLE PWS |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Copper | 1.66 mg/L (2018) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 10 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 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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