Montgomery County property record for 23 McCullough Dr, Springboro, OH 45066
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,280 sqft · built 2004 |
| Lot Size | 0.192 acres (8,407 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $233,400 (Jan 2020) |
| Tax Bill | $5,942 (2024) |
| Deeds & Mortgages | Jan 2020 Sale & Mortgage Jul 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | K45200126 0032 |
| Primary APN | K45200126 0032 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,280 sqft Living Area |
| 1st Floor Area | 870 sqft |
| Basement Area | 330 sqft |
| Unfinished Basement | 330 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,407 sqft (0.192 acres) |
| Garage Area | 210 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | 238 sqft |
| Patio Area | 238 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 23 MCCULLOUGH DR |
|---|---|
| City | SPRINGBORO |
| State | OH |
| Zip | 45066-7803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 260 THE HIGHLANDS AT SETTLERS WALK SEC 8 |
| Legal Subdivision | THE HIGHLANDS AT SETTLERS WALK SEC 8 |
| Legal Lot Number | 260 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | MIAMI |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 50106 |
23 McCullough Dr is owned and occupied by two individuals who bought it in January 2020.
Source: Montgomery County records, as of January 26, 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 File |
|---|---|
| Mailing Address | 23 MCCULLOUGH DR, SPRINGBORO, OH 45066-7803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 2, 2020 | Warranty Deed, Transfer · Conventional with PMI UNION SVGS |
| Jul 23, 2018 | Warranty Deed, Transfer · VA Mortgage PRIME LNDG |
| Mar 23, 2017 | Loan Modification, Mortgage · FHA Mortgage US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 2, 2020 · Amount on File |
| Deed Sale | Jan 2, 2020 · Amount on File |
| Prior Sale | Jul 23, 2018 · Amount on File |
| Deed Document Number | 2020-00000123 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jan 2, 2020 |
| Property Address | 23 MCCULLOUGH DR, SPRINGBORO, OH 45066-7803 |
| Document Number | 0000000123 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 123 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.20 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 MCCULLOGH ST SPRINGBORO OH 450667803, SPRINGBORO, OH 45066-7803 |
| Document Number | 124 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 124 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Recording Date | Jul 23, 2018 |
| Property Address | 23 MCCULLOUGH DR, SPRINGBORO, OH 45066-7803 |
| Document Number | 0000042429 |
| Instrument Date | Jul 19, 2018 |
| Instrument | 42429 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2018 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $630.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 MCCULLOGH ST SPRINGBORO OH 450667803, SPRINGBORO, OH 45066-7803 |
| Document Number | 42430 |
|---|---|
| Date | Jul 23, 2018 |
| Instrument | 42430 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 22, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 23 MCCULLOUGH DR, SPRINGBORO, OH 45066-7803 |
| Document Number | 0000026201 |
| Instrument Date | Mar 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 23 MCCULLOGH ST SPRINGBORO OH 450667803, SPRINGBORO, OH 45066-7803 |
| Document Number | 0000026201 |
|---|---|
| Date | May 4, 2017 |
| Instrument | 26201 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 3, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| County Subdivision | Miami Township |
| Municipality | Springboro City |
| Unified School District | Springboro Community City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $116,120 Land $21,870 Building $94,250 | ||
| 2024 | $5,942.00 (-1.44%) | ||
| 2023 | $6,029.00 (+30.24%) | $116,120 (+42.01%) Land $21,870 Building $94,250 | $331,770 Land $62,480 Building $269,290 |
| 2022 | $4,629.00 | $81,770 Land $15,400 Building $66,370 | |
| 2020 | $233,640 Land $44,000 Building $189,640 |
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.
FEMA maps place 23 McCullough Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 25, 2025
| 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 risk around 23 McCullough 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 | Direct burnable vegetation |
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 | SPRINGBORO PWS private · serves 19,263 people · EPA ID OH8301412 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 573 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures