20990 Clutter Rd, Utica, OH 43080 Property Records

Knox County property record for 20990 Clutter Rd, Utica, OH 43080

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,558 sqft · built 2013
Lot Size	2 acres (87,164 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,500 (Dec 2022)
Tax Bill	$3,300 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`51-00381.001`

Property Details

APN / Parcel Number

Primary APN	`51-00381.001`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,558 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Wood
Construction Type	Frame
Lot Area	87,164 sqft (2 acres)
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20990 CLUTTER RD
City	UTICA
State	OH
Zip	43080-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 5 4 SE CORNER LOT 18 & NE CORNER LOT 19 2.001A
Legal Lot Number	18,19
Jurisdiction	KNOX OH
Township / Civil Division	MORGAN
Census Block Group	3
Census Block	3078
Census Tract	7400

Owner

Source: Knox County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20990 CLUTTER RD, UTICA, OH 43080-9609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Aug 15, 2023	Deed of Trust, Mortgage FREEDOM MORTGAGE CORP
Dec 2, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CENTRAL COAST LND INC
Nov 10, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2022 · Amount on Record
Deed Sale	Dec 2, 2022 · Amount on Record
Prior Sale	Apr 26, 2013 · Amount on Record
Deed Document Number	20229685
Deed Book / Page	1953 / 756
Prior Transfer Date	Nov 10, 2022
Prior Transfer Doc	0000009152
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX OH
Recording Date	May 7, 2026
Property Address	20990 CLUTTER RD, UTICA, OH 43080-9609
Document Number	0000003390
Book / Page	2127 / 384
Instrument Date	May 1, 2026
Instrument	20263390
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	20990 CLUTTER RD, UTICA, OH 43080-9609

Mortgage

Document Number	0000003390,
Date	May 7, 2026
Book Page	2127/384
Instrument	20263390

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Dec 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX OH
Property Address	20990 CLUTTER RD, UTICA, OH 43080-9609
Transaction Type	Mortgage
Record Updated	Sep 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005431
Date	Aug 15, 2023
Book Page	1986/632
Instrument	202300005431

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KNOX OH
Recording Date	Dec 2, 2022
Property Address	20990 CLUTTER RD, UTICA, OH 43080-9609
Document Number	0000009685
Book / Page	1953 / 756
Instrument Date	Nov 14, 2022
Instrument	20220-00009685
Transaction Type	Transfer
Record Updated	Dec 26, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 MORRO BAY BLVD # STE, MORRO BAY, CA 93442-1916

Mortgage

Document Number	22000009686
Date	Dec 2, 2022
Instrument	220-00009686

Lender

Name	CENTRAL COAST LND INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KNOX OH
Recording Date	Nov 10, 2022
Property Address	20990 CLUTTER RD, UTICA, OH 43080-9609
Document Number	0000009152
Book / Page	1950 / 835
Instrument Date	Oct 20, 2022
Instrument	20220-00009152
Transaction Type	Transfer
Record Updated	Dec 5, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20990 CLUTTER RD, UTICA, OH 43080-9609

Tax Assessment & Valuation

Source: Knox County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Knox County
County Subdivision	Morgan Township
Unified School District	North Fork Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$432,940 (-) Land $47,930 Building $385,010
2025	$3,300.00 (-26.16%)	$151,530 (-) Land $16,780 Building $134,750
2024	$4,469.00 (-1.48%) Homeowner's exemption Senior Citizen's exemption	$151,530 (-) Land $16,780 Building $134,750
2023	$4,536.00 (+10.58%) Homeowner's exemption Senior Citizen's exemption	$151,530 (+37.99%) Land $16,780 Building $134,750	$432,940 (+38%) Land $47,930 Building $385,010
2022	$4,102.00	$109,810 Land $12,160 Building $97,650
2020			$313,720 Land $34,730 Building $278,990

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

Source: FEMA National Flood Hazard Layer, effective July 7, 2009

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Clutter Rd

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