Jefferson County property record for 189 Main St, Rayland, OH 43943
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,048 sqft · built 1920 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $59,775 (Sep 2020) |
| Tax Bill | $1,288 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Aug 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-00290-000 |
| Primary APN | 42-00290-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 2 Half Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,048 sqft Living Area |
| 1st Floor Area | 1,024 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Lot Area | 3,920 sqft (0.09 acres) |
| Garage Area | 240 sqft |
| Patio Area | 63 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Street Address | 189 MAIN ST |
|---|---|
| City | RAYLAND |
| State | OH |
| Zip | 43943-9741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2-4-17 129 LAND 0.09 MAP-42-0300-20700 |
| Jurisdiction | JEFFERSON OH |
| Township / Civil Division | WARREN |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 12300 |
189 Main St is owned and occupied by an individual who bought it in September 2020.
Source: Jefferson County records, as of July 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 189 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 |
|---|---|
| Jan 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS NATIONAL BANK |
| Aug 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Sep 30, 2020 | Correction Deed · FHA Mortgage POLARIS HOME FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2020 · Amount on File |
| Deed Sale | Sep 30, 2020 · Amount on File |
| Deed Document Number | 2020359346 |
| Deed Book / Page | 1440 / 561 |
| Prior Transfer Date | Sep 8, 2020 |
| Prior Transfer Doc | 001440/561 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON OH |
| Property Address | 189 MAIN ST, RAYLAND, OH 43943-9741 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE ASSOC AGENCY |
| Name | Verified Name |
|---|
| Document Number | 01506/5748 |
|---|---|
| Date | Jan 24, 2022 |
| Book Page | 1506/5748 |
| Instrument | 373644 |
| Name | CONSUMERS NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | CANTON, OH 44718 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Feb 1, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JEFFERSON OH |
| Recording Date | Aug 15, 2022 |
| Property Address | 189 MAIN ST, RAYLAND, OH 43943-9741 |
| Document Number | 001513/846 |
| Book / Page | 1513 / 846 |
| Instrument Date | Aug 10, 2022 |
| Instrument | 379423 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI |
| 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 |
|---|
| Name | Verified Name |
|---|---|
| Address | 189 MAIN ST, RAYLAND, OH 43943-9741 |
| Document Number | 0000379424 |
|---|---|
| Date | Aug 15, 2022 |
| Instrument | 379424 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | JEFFERSON OH |
| Recording Date | Sep 30, 2020 |
| Property Address | 189 MAIN ST, RAYLAND, OH 43943-9741 |
| Document Number | 001440/561 |
| Book / Page | 1440 / 561 |
| Instrument Date | Sep 8, 2020 |
| Instrument | 359346 |
| Record Updated | Aug 16, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 189 MAIN ST, RAYLAND, OH 43943-9741 |
| Document Number | 001440/563 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 1440/563 |
| Instrument | 359347 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | GRANDVILLE, MI 49418 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Oct 1, 2047 |
The 2025 property tax bill for 189 Main St was $1,288 with a homeowner's exemption.
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 | $1,288.00 | $32,512 (-) Land $2,433 Building $30,079 | |
| 2024 | $1,288.00 Homeowner's exemption | $32,512 Land $2,433 Building $30,079 | $92,890 Land $6,950 Building $85,940 |
| 2022 | $1,490.00 Homeowner's exemption | $25,449 Land $2,083 Building $23,366 | |
| 2021 | $72,710 Land $5,950 Building $66,760 |
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 189 Main St 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 April 5, 2006 · 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 | 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 189 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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