220 Cedar St, Wellston, OH 45692 Property Records

Jackson County property record for 220 Cedar St, Wellston, OH 45692

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,358 sqft · built 1968
Lot Size	0.523 acres (22,799 sqft)
Owner	2 Trust Names on File
Last Sale	$430,000 (Oct 2024)
Tax Bill	$4,859 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Sep 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M240040009500`

Property Details

APN / Parcel Number

Primary APN	`M240040009500`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,358 sqft Living Area
1st Floor Area	2,380 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1994
Architectural Style	Other
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	22,799 sqft (0.523 acres)
Lot Dimensions	102 ft deep x 125 ft wide
Terrain	Rolling
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	584 sqft
Deck Area	42 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	220 CEDAR ST
City	WELLSTON
State	OH
Zip	45692-9409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK RIDGE LOT #93
Legal Subdivision	OAK RIDGE ADDITION
Jurisdiction	JACKSON OH
Township / Civil Division	WELLSTON
Census Block Group	1
Census Block	1012
Census Tract	957200

Owner

220 Cedar St is owner-occupied and held in a trust since May 2026.

Source: Jackson County records, as of July 7, 2026

Owner of Record	2 Trust Names on File
Mailing Address	220 CEDAR ST, WELLSTON, OH 45692-9409
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
Feb 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Sep 22, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 5, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Feb 20, 2024	Warranty Deed, Transfer
Sep 29, 2021	Warranty Deed, Transfer · Conventional Mortgage LCNB NATIONAL BANK
Oct 13, 2015	Fiduciary Deed, Transfer · ARM THE MILTON BANKING CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2024 · Amount on File
Deed Sale	Oct 7, 2024 · Amount on File
Prior Sale	Feb 20, 2024 · Amount on File
Deed Document Number	20242861
Deed Book / Page	182 / 591
Last Transfer Date	May 14, 2026
Transfer Doc	0000001874
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OH
Property Address	220 CEDAR ST, WELLSTON, OH 45692-9409
Transaction Type	Mortgage
Record Updated	Jun 5, 2026
Title Company	NORTHWEST TITLE AGENCY-MN, NORTHWEST TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00130/0212
Date	Feb 15, 2018
Book Page	130/0212
Instrument	201800000464

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2033

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OH
Property Address	220 CEDAR ST, WELLSTON, OH 45692-9409
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 CEDAR ST, WELLSTON, OH 45692-9409

Mortgage

Document Number	00189/2804
Date	Sep 22, 2025
Book Page	189/2804
Instrument	202502944

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 16, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OH
Recording Date	Jun 5, 2026
Property Address	220 CEDAR ST, WELLSTON, OH 45692-9409
Document Number	0000001874
Book / Page	196 / 246
Instrument Date	May 14, 2026
Instrument	20261874
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	220 CEDAR ST, WELLSTON, OH 45692-9409

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OH
Recording Date	Feb 20, 2024
Property Address	220 CEDAR ST, WELLSTON, OH 45692-9409
Document Number	00177/2373
Book / Page	177 / 2373
Instrument Date	Feb 13, 2024
Instrument	202400506
Transaction Type	Transfer
Record Updated	Mar 11, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 CEDAR ST, WELLSTON, OH 45692-9409

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON OH
Recording Date	Sep 29, 2021
Property Address	220 CEDAR ST, WELLSTON, OH 45692-9409
Document Number	000159/810
Book / Page	159 / 810
Map Reference	MB 4 PG 117&118
Instrument Date	Sep 24, 2021
Instrument	202100003523
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	NORWEST TITLE, NORTHWEST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 CEDAR ST, WELLSTON, OH 45692-9409

Mortgage

Document Number	202100003524
Date	Sep 29, 2021
Instrument	202100003524

Lender

Name	LCNB NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

October 2015: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	JACKSON OH
Recording Date	Oct 13, 2015
Property Address	220 CEDAR ST, WELLSTON, OH 45692-9409
Document Number	00113/0184
Book / Page	113 / 0184
Map Reference	MB 4 PG 117&118
Instrument Date	Oct 2, 2015
Instrument	201500003033
Transaction Type	Transfer
Record Updated	Jun 5, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 CEDAR ST, WELLSTON, OH 45692-9409
Investor	Possibly a Property Investor

Mortgage

Document Number	201500003034
Date	Oct 13, 2015
Instrument	201500003034

Lender

Name	THE MILTON BANKING CO

Agreement

Type	ARM
Amount	Amount on Record
Term	240 Months
Due	Oct 9, 2035

Interest

Rate Type	Adjustable Rate
Rate	4.74%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 9, 2016
Change Frequency	Annually
Min Rate At Change	4.74%
Max Rate At Change	6.74%
Index	1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 220 Cedar St was $4,859 with a homeowner's exemption.

Source: Jackson County assessment roll, as of March 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Jackson County
Municipality	Wellston City
Unified School District	Wellston City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,859.00 Homeowner's exemption	$102,740 Land $12,830 Building $89,910	$293,530 Land $36,650 Building $256,880
2023	$4,859.00 (+32.8%)	$102,740 (+32.79%) Land $12,830 Building $89,910
2022	$3,659.00	$77,370 Land $11,010 Building $66,360
2020			$293,530 Land $36,650 Building $256,880

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 220 Cedar 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 December 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	17 (1979–2026)
Claims Outside the SFHA	8 of 17
Most Recent Claim	Aug 2026 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Sep 2004 · 8 claims Severe Storms, Flooding, And Tornadoes, Jun 1998 · 3 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

Wildfire risk around 220 Cedar St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WELLSTON CITY PWS serves 5,846 people · EPA ID OH4001912
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2018
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

220 Cedar St, Wellston, OH 45692 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

June 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2015: Fiduciary Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Cedar St

Nearby Streets

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