20650 Speck Rd, Freeport, OH 43973 Property Records

Guernsey County property record for 20650 Speck Rd, Freeport, OH 43973

Property Summary

Property Type	Residential Vacant Land
Lot Size	5.1 acres (222,156 sqft)
Owner	2 Individual Names on File
Last Sale	$46,000 (Apr 2026)
Tax Bill	$203 (2025)
Deeds & Mortgages	Apr 2026 Sale & Line of Credit Apr 2026 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40-0000164.001`

Property Details

APN / Parcel Number

Primary APN	`40-0000164.001`
Alternative APN	`002649-7`

Exterior

Lot Area	222,156 sqft (5.1 acres)

Location & Zoning

Account Number	002649-7
Street Address	20650 SPECK RD
City	FREEPORT
State	OH
Zip	43973-8648
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	R1 T4 SS01 PT SE 1/4 & PT N E 1/4
Legal Range	01W
Legal Township	04N
Legal Section	01
Legal Tract	4
Jurisdiction	GUERNSEY OH
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1002
Census Tract	977100

Owner

20650 Speck Rd, residential vacant land, is owned by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	20610 SPECK RD, FREEPORT, OH 43973-8648
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
Apr 23, 2026	Warranty Deed, Transfer · Line of Credit SSB COMMUNITY BANK
Apr 23, 2026	Warranty Deed, Transfer · Line of Credit SSB COMMUNITY BANK
Oct 27, 2025	Transfer on Death Deed, Transfer
Oct 24, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2026 · Amount on File
Deed Sale	Apr 23, 2026 · Amount on File
Deed Document Number	20262017
Deed Book / Page	611 / 2795
Prior Transfer Date	Oct 24, 2025
Prior Transfer Doc	00608/1913
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	Apr 23, 2026
Property Address	20650 SPECK RD, FREEPORT, OH 43973-8648
Document Number	0000002017
Book / Page	611 / 2795
Instrument Date	Apr 23, 2026
Instrument	2026.2017
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount on Record
Tax	$18,584.00
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	20610 SPECK RD, FREEPORT, OH 43973-8648

Mortgage

Document Number	0000002018,
Date	Apr 23, 2026
Book Page	611/2797
Instrument	2026.2018

Lender

Name	SSB COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	6.11%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	Apr 23, 2026
Property Address	20650 SPECK RD, FREEPORT, OH 43973-8648
Document Number	00611/2795
Book / Page	611 / 2795
Instrument Date	Apr 23, 2026
Instrument	2026.2017
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount on Record
Tax	$18,584.00
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	20610 SPECK RD, FREEPORT, OH 43973-8648

Mortgage

Document Number	0000002018,
Date	Apr 23, 2026
Book Page	611/2797
Instrument	2026.2018

Lender

Name	SSB COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	6.11%
Max Rate	-1%

October 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	GUERNSEY OH
Recording Date	Oct 27, 2025
Property Address	20650 SPECK RD, FREEPORT, OH 43973-8648
Document Number	00608/1982
Book / Page	608 / 1982
Instrument Date	Oct 27, 2025
Instrument	202500007053
Transaction Type	Transfer
Record Updated	Nov 7, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GUERNSEY OH
Recording Date	Oct 24, 2025
Property Address	20650 SPECK RD, FREEPORT, OH 43973-8648
Document Number	00608/1913
Book / Page	608 / 1913
Instrument Date	Oct 24, 2025
Instrument	202500007037
Transaction Type	Transfer
Record Updated	Nov 7, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	519 CASTLE BLVD, AKRON, OH 44313-5701

Tax Assessment & Valuation

The 2025 property tax bill for 20650 Speck Rd was $203.

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	$203.00	$5,106 (-) Land $5,106
2024	$203.00 (+12.15%)	$5,106 (+13.97%) Land $5,106	$14,590 Land $14,590
2023	$181.00 (-2.16%)	$4,480 (-) Land $4,480
2022	$185.00	$4,480 Land $4,480	$12,800 (-) Land $12,800
2021			$12,800 Land $12,800

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 20650 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 20650 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Speck Rd

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