1905 White Oak Dr, Delaware, OH 43015 Property Records

Delaware County property record for 1905 White Oak Dr, Delaware, OH 43015

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 6,439 sqft · built 2002
Lot Size	1.73 acres (75,751 sqft)
Owner	Trust Name on File
Last Sale	$1,425,000 (May 2005)
Tax Bill	$27,213 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`319-140-02-044-000`

Property Details

APN / Parcel Number

Primary APN	`319-140-02-044-000`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	6,439 sqft Living Area
Gross Area	10,609 sqft
1st Floor Area	4,170 sqft
Upper Floors Area	2,269 sqft
Basement Area	4,170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Brick/Stone
Lot Area	75,751 sqft (1.73 acres)
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Pool Area	500 sqft
Porch	Open Porch
Porch Area	770 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	1905 WHITE OAK DR
City	DELAWARE
State	OH
Zip	43015-9207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1199 WINGATE FARMS SEC 2
Legal Subdivision	WINGATE FARMS SEC 2
Legal Lot Number	1199
Jurisdiction	DELAWARE OH
Township / Civil Division	LIBERTY
Census Block Group	3
Census Block	3016
Census Tract	11423

Owner

1905 White Oak Dr is owner-occupied and held in a trust since October 2007.

Source: Delaware County records, as of May 27, 2026

Owner of Record	Trust Name on File
Mailing Address	1905 WHITE OAK DR, DELAWARE, OH 43015-9207
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2005 · Amount on File
Deed Sale	May 17, 2005 · Amount on File
Prior Sale	Feb 5, 2002 · Amount on File
Deed Document Number	200518559
Deed Book / Page	609 / 2550
Last Transfer Date	Oct 9, 2007
Transfer Doc	0000034378
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	1905 WHITE OAK DR, DELAWARE, OH 43015-9207
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	HAMPTON TITLE LLC, HAMPTON TITLE BOX

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011899
Date	Mar 12, 2021
Book Page	1836/1984
Instrument	202100011899

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	1905 WHITE OAK DR, DELAWARE, OH 43015-9207
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	HAMPTON TITLE LLC, HAMPTON TITLE BOX

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011900
Date	Mar 12, 2021
Book Page	1836/1992
Instrument	202100011900

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1905 White Oak Dr was $27,213, up 5.4% from the year before.

Source: Delaware County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Delaware County
County Subdivision	Liberty Township
Unified School District	Olentangy Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$27,213.00 (+5.35%)	$490,010 (-) Land $67,450 Building $422,560	$1,400,000 Land $192,700 Building $1,207,300
2024	$25,831.00 (-0.39%) Homeowner's exemption	$490,010 (-) Land $67,450 Building $422,560
2023	$25,931.00 Homeowner's exemption	$490,010 Land $67,450 Building $422,560	$1,400,000 Land $192,700 Building $1,207,300

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 1905 White Oak Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective June 3, 2026 · 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	9 in force
Nearby Flood Claims	7 (1990–2020)
Claims Outside the SFHA	1 of 7
Most Recent Claim	May 2020 · 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

Wildfire risk around 1905 White Oak Dr is low, with less than 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 95% of the US · lower than 78% of Ohio
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DEL-CO WATER COMPANY, INC. private · serves 150,000 people · EPA ID OH2101412
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: AT&T, Verizon.

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