22 3rd St, Shelby, OH 44875 Property Records

Richland County property record for 22 3rd St, Shelby, OH 44875

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,626 sqft · built 1900
Lot Size	0.274 acres (11,940 sqft)
Owner	Individual Name on Record
Last Sale	$181,000 (Jun 2026)
Tax Bill	$890 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Dec 2012 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`046-08-014-07-000`

Property Details

APN / Parcel Number

Primary APN	`046-08-014-07-000`
Alternative APN	`06077`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,626 sqft Living Area
1st Floor Area	616 sqft
Family Room	Family Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum Siding
Lot Area	11,940 sqft (0.274 acres)
Lot Dimensions	199 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	286 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	22 3RD ST
City	SHELBY
State	OH
Zip	44875-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1353 60 X 199
Legal Subdivision	SHELBY
Jurisdiction	RICHLAND OH
Township / Civil Division	SHARON
Census Block Group	4
Census Block	4047
Census Tract	2600

Owner

Source: Richland County records, as of July 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	22 3RD ST, SHELBY, OH 44875-1308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage MECHANICS BANK
Dec 19, 2012	Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANKING CO
Jun 5, 2007	Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANKING CO
Aug 19, 2015	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Jun 1, 2026	Deed, Transfer · Conventional Mortgage MECHANICS BANK
Jun 1, 2026	Deed, Transfer · Conventional Mortgage MECHANICS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Deed Document Number	20266195
Deed Book / Page	3043 / 1178
Prior Transfer Date	Nov 20, 2013
Prior Transfer Doc	02275/0177
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	22 3RD ST, SHELBY, OH 44875-1308
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03031/2048
Date	Aug 19, 2025
Book Page	3031/2048
Instrument	202500008694

Lender

Name	MECHANICS BANK
Type	Bank
Address	MANSFIELD, OH 44902

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Sep 1, 2028
Change Frequency	3 Years
Min Rate At Change	4.5%
Max Rate At Change	7.5%
Index	3-Year TN
Max Rate	11.5%

December 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	22 3RD ST, SHELBY, OH 44875-1308
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN ELS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02190/0079
Date	Dec 19, 2012
Book Page	2190/0079
Instrument	201200016092

Lender

Name	THE CITIZENS BANKING CO
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Nov 21, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	22 3RD ST, SHELBY, OH 44875-1308
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01762/0654
Date	Jun 5, 2007
Book Page	1762/0654
Instrument	200700008416

Lender

Name	THE CITIZENS BANKING CO
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

August 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	22 3RD ST, SHELBY, OH 44875-1308
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02403/0484
Date	Aug 19, 2015
Book Page	2403/0484
Instrument	201500009314

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 21, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND OH
Recording Date	Jun 1, 2026
Property Address	22 3RD ST, SHELBY, OH 44875-1308
Document Number	0000006195
Book / Page	3043 / 1178
Instrument Date	May 29, 2026
Instrument	20266195
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	SOUTHERN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73,124.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 3RD ST, SHELBY, OH 44875-1308

Mortgage

Document Number	0000006196,
Date	Jun 1, 2026
Instrument	20266196

Lender

Name	MECHANICS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	RICHLAND OH
Recording Date	Jun 1, 2026
Property Address	22 3RD ST, SHELBY, OH 44875-1308
Document Number	03043/1178
Book / Page	3043 / 1178
Instrument Date	May 29, 2026
Instrument	20266195
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	SOUTHERN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73,124.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 3RD ST, SHELBY, OH 44875-1308

Mortgage

Document Number	0000006196,
Date	Jun 1, 2026
Instrument	20266196

Lender

Name	MECHANICS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Richland County assessment roll, as of April 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Richland County
County Subdivision	Sharon Township
Municipality	Shelby City
Unified School District	Shelby City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$890.00	$34,300 (-) Land $5,130 Building $29,170
2024	$890.00 (-7.48%) Homeowner's exemption	$34,300 (-) Land $5,130 Building $29,170
2023	$962.00 (-0.72%) Homeowner's exemption	$34,300 (+9.1%) Land $5,130 Building $29,170	$98,000 (+9.09%) Land $14,650 Building $83,350
2022	$969.00 Homeowner's exemption	$31,440 Land $5,500 Building $25,940
2020			$89,830 Land $15,720 Building $74,110

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	82 (1979–2011)
Claims Outside the SFHA	11 of 82
Most Recent Claim	Feb 2011 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 39 claims Severe Storms And Flooding, Jun 2004 · 6 claims Severe Storms & Flooding, Jul 1987 · 12 claims

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

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

Wildfire Risk	Not rated no burnable land within 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	SHELBY CITY serves 9,453 people · EPA ID OH7004511
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 465 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Watch TV.

Nearby Properties on 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures