Shelby County property record for 224 E Water St, Sidney, OH 45365
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,235 sqft · built 1947 |
| Lot Size | 0.086 acres (3,731 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $75,000 (Jul 2020) |
| Tax Bill | $846 (2025) |
| Deeds & Mortgages | Feb 2022 Second Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 01-1836277.018 |
| Primary APN | 01-1836277.018 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,235 sqft Living Area |
| 1st Floor Area | 515 sqft |
| Upper Floors Area | 720 sqft |
| Basement Area | 480 sqft |
| Unfinished Basement | 480 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Construction Type | Frame |
| Roof Material | Shingle |
| Lot Area | 3,731 sqft (0.086 acres) |
| Lot Dimensions | 91 ft deep x 41 ft wide |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 224 E WATER ST |
|---|---|
| City | SIDNEY |
| State | OH |
| Zip | 45365-3160 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 W END OF S1/2 020-18-36-277-018 |
| Legal Lot Number | 1 |
| Jurisdiction | SHELBY OH |
| Township / Civil Division | CLINTON |
| Census Block Group | 5 |
| Census Block | 5009 |
| Census Tract | 972000 |
Source: Shelby County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 224 E WATER ST, SIDNEY, OH 45365-3160 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNION HOME MORTGAGE CORP |
| Jul 14, 2020 | Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2020 · Amount on Record |
| Deed Sale | Jul 14, 2020 · Amount on Record |
| Prior Sale | Apr 11, 2013 · Amount on Record |
| Deed Document Number | 20204062 |
| Deed Book / Page | 2231 / 311 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 224 E WATER ST, SIDNEY, OH 45365-3160 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02307/3394 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | 2307/3394 |
| Instrument | 202201112 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY OH |
| Recording Date | Jul 14, 2020 |
| Property Address | 224 E WATER ST, SIDNEY, OH 45365-3160 |
| Document Number | 002231/311 |
| Book / Page | 2231 / 311 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 202000004062 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 224 E WATER ST, SIDNEY, OH 45365-3160 |
| Document Number | 202000004063 |
|---|---|
| Date | Jul 14, 2020 |
| Instrument | 202000004063 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: Shelby County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Shelby County |
| County Subdivision | Clinton Township |
| Municipality | Sidney City |
| Unified School District | Sidney City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $846.00 (-5.9%) | $25,420 (-) Land $4,420 Building $21,000 | |
| 2024 | $899.00 (-2.18%) Homeowner's exemption | $25,420 (-) Land $4,420 Building $21,000 | |
| 2023 | $919.00 (+18.73%) Homeowner's exemption | $25,420 (+34.93%) Land $4,420 Building $21,000 | $72,640 (+34.94%) Land $12,630 Building $60,010 |
| 2022 | $774.00 Homeowner's exemption | $18,840 Land $3,290 Building $15,550 | |
| 2020 | $53,830 Land $9,390 Building $44,440 |
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.
Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 24 policies |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 2 (1990) |
| Most Recent Claim | Dec 1990 · river or lake flooding |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SIDNEY CITY PWS serves 20,614 people · EPA ID OH7501214 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2024 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 547 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| NKTELCO - Goldstar Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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