2228 Gnarled Pine Dr, Dublin, OH 43016 Property Records

Franklin County property record for 2228 Gnarled Pine Dr, Dublin, OH 43016

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,016 sqft · built 1983
Lot Size	0.174 acres (7,595 sqft)
Owner	Individual Name on File
Last Sale	$425,800 (Nov 2025)
Tax Bill	$7,057 (2024)
Deeds & Mortgages	Jun 2022 Line of Credit Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`590-183636`

Property Details

APN / Parcel Number

Primary APN	`590-183636`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,016 sqft Living Area
1st Floor Area	877 sqft
2nd Floor Area	1,008 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	7,595 sqft (0.174 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	2228 GNARLED PINE DR
City	DUBLIN
State	OH
Zip	43016-9533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GNARLED PINE DR WORTHINGTON MILL 1 LOT 13
Legal Subdivision	WORTHINGTON MILL SEC 1
Legal Lot Number	13
Jurisdiction	FRANKLIN OH
Township / Civil Division	COLUMBUS
Census Block Group	1
Census Block	1001
Census Tract	6393

Owner

2228 Gnarled Pine Dr is owned and occupied by an individual who bought it in November 2025.

Source: Franklin County records, as of February 2, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5950 SYMPHONY WOODS RD STE 301, 301, COLUMBIA, MD 21044-3590
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 15, 2022	Deed of Trust, Mortgage · Line of Credit KEMBA FINANCIAL CREDIT UNION INC
Nov 12, 2025	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2025 · Amount on File
Deed Sale	Nov 12, 2025 · Amount on File
Deed Document Number	202511120128481
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN OH
Property Address	2228 GNARLED PINE DR, DUBLIN, OH 43016-9533
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089028
Date	Jun 15, 2022
Instrument	202206150089028

Lender

Name	KEMBA FINANCIAL CREDIT UNION INC
Type	Credit Union
Address	COLUMBUS, OH 43230

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 14, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN OH
Recording Date	Nov 12, 2025
Property Address	2228 GNARLED PINE DR, DUBLIN, OH 43016-9533
Document Number	0000128481
Map Reference	MB 56 PG 37
Instrument Date	Nov 7, 2025
Instrument	202511120128481
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	NORTHWEST SELECT TITLE, NORTHWEST SELECT WORTHINGTON

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5950 SYMPHONY WOODS RD STE 301, 301, COLUMBIA, MD 21044-3590

Mortgage

Document Number	0000128482
Date	Nov 12, 2025
Instrument	202511120128482

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of August 1, 2024

Property Jurisdictions

Type	Name
State	Ohio
County	Franklin County
Municipality	Columbus City
Unified School District	Dublin City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$7,057.00 (-1.18%) Homeowner's exemption	$119,770 (-) Land $32,130 Building $87,640
2023	$7,141.00 (+41.97%) Homeowner's exemption	$119,770 (+52.77%) Land $32,130 Building $87,640	$342,200 Land $91,800 Building $250,400
2022	$5,030.00 Homeowner's exemption	$78,400 Land $17,360 Building $61,040
2020			$224,000 Land $49,600 Building $174,400

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 2228 Gnarled Pine Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 4, 2026

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 2228 Gnarled Pine Dr 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 99.1% of the US · lower than 96% 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	COLUMBUS PUBLIC WATER SYSTEM serves 1,309,468 people · EPA ID OH2504412
Water Source	Surface water
Last State Inspection	Dec 2022
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 506 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 50
Breezeline Cable	1,000 / 50

May also be available: Verizon.

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