228 Whetstone Rd, Bainbridge, OH 45612 Property Records

Ross County property record for 228 Whetstone Rd, Bainbridge, OH 45612

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 2008
Lot Size	2.18 acres (94,961 sqft)
Owner	2 Individual Names on Record
Last Sale	$83,000 (Sep 2018)
Tax Bill	$2,446 (2025)
Deeds & Mortgages	Aug 2026 Sale Feb 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-10-09-010.000`

Property Details

APN / Parcel Number

Primary APN	`21-10-09-010.000`
Alternative APN	`100901`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Upper Floors Area	504 sqft
Flooring	Carpet
Interior Walls	Log

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Wood
Construction Type	Wood
Roof Material	Metal
Lot Area	94,961 sqft (2.18 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Deck Area	88 sqft
Shed	1 Shed
Shed Area	72 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	100901
Street Address	228 WHETSTONE RD
City	BAINBRIDGE
State	OH
Zip	45612-9428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	228 WHETSTONE RD RES 10-9-10
Jurisdiction	ROSS OH
Township / Civil Division	PAINT
Census Block Group	3
Census Block	3049
Census Tract	955700

Owner

Source: Ross County records, as of August 25, 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	228 WHETSTONE RD, BAINBRIDGE, OH 45612-9428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Affidavit, Transfer
Feb 3, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Aug 26, 2019	Deed of Trust, Mortgage · Line of Credit LCNB NATIONAL BANK
Sep 27, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2018 · Amount on Record
Deed Sale	Sep 27, 2018 · Amount on Record
Prior Sale	Apr 24, 2006 · Amount on Record
Deed Document Number	20187050
Deed Book / Page	528 / 1913
Last Transfer Date	Aug 13, 2026
Transfer Doc	0000005735
Record Updated	Oct 29, 2026

August 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	ROSS OH
Recording Date	Aug 14, 2026
Property Address	228 WHETSTONE RD, BAINBRIDGE, OH 45612-9428
Document Number	0000005735
Book / Page	593 / 5349
Instrument Date	Aug 13, 2026
Instrument	20265735
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 WHETSTONE RD, BAINBRIDGE, OH 45612-9428

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSS OH
Property Address	228 WHETSTONE RD, BAINBRIDGE, OH 45612-9428
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 WHETSTONE RD, BAINBRIDGE, OH 45612-9428

Mortgage

Document Number	0005805123
Date	Feb 3, 2025
Book Page	580/5123
Instrument	202500000638

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2055

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSS OH
Property Address	228 WHETSTONE RD, BAINBRIDGE, OH 45612-9428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005345705
Date	Aug 26, 2019
Book Page	0534/5705
Instrument	201900005945

Lender

Name	LCNB NATIONAL BANK
Type	Bank
Address	LEBANON, OH 45036

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ROSS OH
Recording Date	Sep 27, 2018
Property Address	228 WHETSTONE RD, BAINBRIDGE, OH 45612-9428
Document Number	0005281913
Book / Page	000528 / 001913
Instrument Date	Sep 20, 2018
Instrument	7050
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$83.00
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	228 WHETSTONE RD BAINBRIDGE OH 456129428, BAINBRIDGE, OH 45612-9428

Tax Assessment & Valuation

Source: Ross County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ross County
County Subdivision	Paint Township
Unified School District	Paint Valley Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,446.00 (+34.32%)	$74,220 (+48.62%) Land $4,910 Building $69,310	$212,050 (+48.63%) Land $14,030 Building $198,020
2024	$1,821.00 (-4.96%) Homeowner's exemption	$49,940 (-) Land $4,630 Building $45,310	$142,670 (-) Land $13,220 Building $129,450
2023	$1,916.00 (-5.01%) Homeowner's exemption	$49,940 (-) Land $4,630 Building $45,310
2022	$2,017.00 Homeowner's exemption	$49,940 Land $4,630 Building $45,310	$142,670 Land $13,220 Building $129,450

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 7, 2023 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2002–2006)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2006 · 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.

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	0.02% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: altafiber Network Solutions.

Cell Coverage

4G LTE only, no 5G reported

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