Delaware County property record for 245 Cumberland Rd, Delaware, OH 43015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,484 sqft · built 1974 |
| Lot Size | 0.152 acres (6,611 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Dec 2020) |
| Tax Bill | $3,743 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Jul 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 419-123-03-007-000 |
| Primary APN | 419-123-03-007-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,484 sqft Living Area |
| Gross Area | 2,045 sqft |
| 1st Floor Area | 988 sqft |
| Upper Floors Area | 616 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Multi-Level |
| Exterior Material | Masonry Veneer |
| Foundation Type | Raised |
| Lot Area | 6,611 sqft (0.152 acres) |
| Lot Dimensions | 110 ft deep x 25 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 462 sqft |
| Patio Area | 462 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 245 CUMBERLAND RD |
|---|---|
| City | DELAWARE |
| State | OH |
| Zip | 43015-2818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 4649 |
| Legal Subdivision | HEATHER 01 HILLS |
| Legal Lot Number | 4649 |
| Jurisdiction | DELAWARE OH |
| Township / Civil Division | DELAWARE CITY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 10530 |
Source: Delaware County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 245 CUMBERLAND RD, DELAWARE, OH 43015-2818 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · Line of Credit KEMBA FINANCIAL CREDIT UNION |
| Jul 19, 2022 | Affidavit, Transfer |
| Dec 21, 2020 | Warranty Deed, Transfer · FHA Mortgage HOMETOWN LENDERS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2020 · Amount on Record |
| Deed Sale | Dec 21, 2020 · Amount on Record |
| Prior Sale | Jun 7, 2005 · Amount on Record |
| Deed Document Number | 202051859 |
| Deed Book / Page | 1806 / 1885 |
| Prior Transfer Date | May 30, 2005 |
| Prior Transfer Doc | 0000021422 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Recording Date | Apr 29, 2026 |
| Property Address | 245 CUMBERLAND RD, DELAWARE, OH 43015-2818 |
| Document Number | 0000011053 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 202611053 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 245 CUMBERLAND RD, DELAWARE, OH 43015-2818 |
| Document Number | 0000011053, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 202611053 |
| Name | KEMBA FINANCIAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | DELAWARE OH |
| Recording Date | Jul 19, 2022 |
| Property Address | 245 CUMBERLAND RD, DELAWARE, OH 43015-2818 |
| Document Number | 0000021751 |
| Book / Page | 1979 / 2763 |
| Map Reference | MB 10 PG 115 |
| Instrument Date | Jul 7, 2022 |
| Instrument | 202200021751 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELAWARE OH |
| Recording Date | Dec 21, 2020 |
| Property Address | 245 CUMBERLAND RD, DELAWARE, OH 43015-2818 |
| Document Number | 0000051859 |
| Book / Page | 1806 / 1885 |
| Map Reference | MB 9 PG 140 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 202000051859 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 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 |
|---|---|
| Address | 350 THE BRIDGE ST STE 116, 116, HUNTSVILLE, AL 35806-0022 |
| Document Number | 0000051860 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 202000051860 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Delaware County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Delaware County |
| Municipality | Delaware City |
| Unified School District | Delaware City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,743.00 (+5.35%) | $75,260 (-) Land $14,530 Building $60,730 | $215,000 (-) Land $41,500 Building $173,500 |
| 2024 | $3,553.00 (-0.17%) Homeowner's exemption | $75,260 (-) Land $14,530 Building $60,730 | $215,000 (-) Land $41,500 Building $173,500 |
| 2023 | $3,559.00 Homeowner's exemption | $75,260 Land $14,530 Building $60,730 | $215,000 Land $41,500 Building $173,500 |
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 June 3, 2026 · 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 | 1 in force |
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 | DELAWARE CITY PWS serves 43,895 people · EPA ID OH2100311 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2022–2024) 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.
Source: FCC Broadband Data Collection, based on 309 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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