198 E Main St, Apple Creek, OH 44606 Property Records

Wayne County property record for 198 E Main St, Apple Creek, OH 44606

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,801 sqft · built 1899
Lot Size	0.22 acres (9,601 sqft)
Owner	2 Individual Names on File
Last Sale	$245,700 (Jul 2026)
Tax Bill	$1,896 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`28-00087-000`

Property Details

APN / Parcel Number

Primary APN	`28-00087-000`
Alternative APN	`1216-7`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,801 sqft Living Area
1st Floor Area	1,801 sqft
Upper Floors Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1962
Construction Type	Frame
Lot Area	9,601 sqft (0.22 acres)
Lot Dimensions	160 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	306 sqft
Deck Area	24 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	1216-7
Street Address	198 E MAIN ST
City	APPLE CREEK
State	OH
Zip	44606-9547
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25 60' MP 5 CD 99
Legal Subdivision	CALDWELLS ATLAS
Legal Lot Number	25
Jurisdiction	WAYNE OH
Township / Civil Division	EAST UNION
Census Block Group	2
Census Block	2037
Census Tract	3700

Owner

198 E Main St is owned and occupied by two individuals who bought it in July 2026.

Source: Wayne County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	198 E MAIN ST, APPLE CREEK, OH 44606-9547
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
Jul 17, 2026	Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Mar 17, 2023	Intrafamily Transfer, Transfer NORTHERN TITLE, SOUTHERN TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2026 · Amount on File
Deed Sale	Jul 17, 2026 · Amount on File
Prior Sale	Aug 30, 2004 · Amount on File
Deed Document Number	20267503
Deed Book / Page	990 / 5608
Prior Transfer Date	Feb 10, 2023
Prior Transfer Doc	0000002451
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WAYNE OH
Recording Date	Jul 17, 2026
Property Address	198 E MAIN ST, APPLE CREEK, OH 44606-9547
Document Number	0000007503
Book / Page	990 / 5608
Instrument Date	Jul 16, 2026
Instrument	20267503
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	AMERICAN R TITLE, AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99,262.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	198 E MAIN ST, APPLE CREEK, OH 44606-9547

Mortgage

Document Number	0000007504,
Date	Jul 17, 2026
Book Page	990/5610
Instrument	20267504

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

Mortgage

Document Number	0000007505,
Date	Jul 17, 2026
Book Page	990/5626
Instrument	20267505

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2036

Interest

Rate	6.48%
Max Rate	-1%

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAYNE OH
Recording Date	Mar 17, 2023
Property Address	198 E MAIN ST, APPLE CREEK, OH 44606-9547
Document Number	0000002451
Book / Page	951 / 2443
Map Reference	VOL 1 PG 280
Instrument Date	Feb 10, 2023
Instrument	202300002451
Transaction Type	Transfer
Record Updated	Apr 14, 2023
Title Company	NORTHERN TITLE, SOUTHERN TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	243 CORONA AVE, COCOA BEACH, FL 32931-2763

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 CORONA AVE, COCOA BEACH, FL 32931-2763

Tax Assessment & Valuation

The 2025 property tax bill for 198 E Main St was $1,896 with a homeowner's exemption, down 8.2% from the year before.

Source: Wayne County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Ohio
Municipality	Apple Creek Village
County	Wayne County
County Subdivision	East Union Township
Unified School District	Southeast Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,896.00 (-8.23%)	$52,600 (-) Land $11,430 Building $41,170	$150,280 (-) Land $32,660 Building $117,620
2024	$2,066.00 (+5.14%)	$52,600 (-) Land $11,430 Building $41,170	$150,280 (-) Land $32,660 Building $117,620
2023	$1,965.00 (+30.39%)	$52,600 (+51.02%) Land $11,430 Building $41,170	$150,280 Land $32,660 Building $117,620
2022	$1,507.00	$34,830 Land $7,570 Building $27,260
2020			$99,520 Land $21,630 Building $77,890

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 198 E 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 August 18, 2009 · 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
Nearby Flood Claims	17 (1979–2019)
Claims Outside the SFHA	6 of 17
Most Recent Claim	Jul 2019 · rainfall accumulation

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 198 E Main St 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	None beyond ember reach

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	APPLE CREEK VILLAGE PWS serves 1,190 people · EPA ID OH8500112
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Jan 2021 Corrosion control Jan 2020 Lead public education Nov 2013
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
MCTV Fiber	1,000 / 1,000
Untangled.Network Fixed Wireless	1,000 / 1,000

May also be available: Verizon.

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