245 E Locust St, Wilmington, OH 45177 Property Records

Clinton County property record for 245 E Locust St, Wilmington, OH 45177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,688 sqft · built 1860
Lot Size	0.252 acres (10,977 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Dec 2005)
Tax Bill	$2,369 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`025826-4`

Property Details

APN / Parcel Number

Primary APN	`025826-4`
Alternative APN	`290-16-09-34-0000-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,688 sqft Living Area
Gross Area	4,032 sqft
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	672 sqft
Game Room	Game Room
Flooring	Concrete/Cement
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,977 sqft (0.252 acres)
Lot Dimensions	183 ft deep x 60 ft wide
Terrain	High
Garage Area	1,050 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	528 sqft
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	025826-4
Street Address	245 E LOCUST ST
City	WILMINGTON
State	OH
Zip	45177-2340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MS 1057 RES TO BE 0.252 AC 21 DUP
Legal Subdivision	VIRGINIA MILITARY SURVEY NO 1057
Legal Block	298
Legal Lot Number	37
Jurisdiction	CLINTON OH
Township / Civil Division	WILMINGTON
Census Block Group	3
Census Block	3012
Census Tract	964600

Owner

245 E Locust St is owned and occupied by an individual who acquired it in February 2020.

Source: Clinton County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	245 E LOCUST ST, WILMINGTON, OH 45177-2340
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 27, 2023	Deed of Trust, Mortgage EMERY FCU
Apr 27, 2021	Warranty Deed, Transfer · Conventional Mortgage EMERY FCU
Jul 23, 2020	Intrafamily Transfer, Transfer
Aug 4, 2020	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2005 · Amount on File
Deed Sale	Dec 21, 2005 · Amount on File
Prior Sale	Dec 20, 2005 · Amount on File
Deed Document Number	200583759
Deed Book / Page	638 / 21
Last Transfer Date	Feb 8, 2020
Transfer Doc	0000003754
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON OH
Property Address	245 E LOCUST ST, WILMINGTON, OH 45177-2340
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 E LOCUST ST, WILMINGTON, OH 45177-2340

Mortgage

Document Number	202300002524
Date	Jun 27, 2023
Instrument	2023-00002524

Lender

Name	EMERY FCU
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount on Record

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON OH
Recording Date	Apr 27, 2021
Property Address	245 E LOCUST ST, WILMINGTON, OH 45177-2340
Document Number	202100002442
Instrument Date	Apr 13, 2021
Instrument	2021-00002442
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	PRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 E LOCUST ST, WILMINGTON, OH 45177-2340

Mortgage

Date	Apr 27, 2021

Lender

Name	EMERY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLINTON OH
Recording Date	Jul 23, 2020
Property Address	245 E LOCUST ST, WILMINGTON, OH 45177-2340
Document Number	202000003486
Instrument Date	Feb 18, 2020
Instrument	2020-00003486
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3743 W STATE ROUTE 73, WILMINGTON, OH 45177-9203

August 2020: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CLINTON OH
Recording Date	Aug 4, 2020
Property Address	245 E LOCUST ST, WILMINGTON, OH 45177-2340
Document Number	202000003754
Instrument Date	Feb 8, 2020
Instrument	2020-00003754
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 245 E Locust St was $2,369 with a homeowner's exemption, down 13.4% from the year before.

Source: Clinton County assessment roll, as of March 10, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Clinton County
Municipality	Wilmington City
Unified School District	Wilmington City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,369.00 (-13.45%) Homeowner's exemption	$81,520 (-) Land $8,190 Building $73,330	$232,900 (-) Land $23,400 Building $209,500
2024	$2,737.00 (+4.11%) Homeowner's exemption	$81,520 (-) Land $8,190 Building $73,330	$232,900 (-) Land $23,400 Building $209,500
2023	$2,629.00 (+50.83%) Homeowner's exemption	$81,520 (+66.84%) Land $8,190 Building $73,330	$232,900 Land $23,400 Building $209,500
2022	$1,743.00 Homeowner's exemption	$48,860 Land $7,500 Building $41,360
2020			$139,600 Land $21,420 Building $118,180

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 245 E Locust St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

Wildfire

The area around 245 E Locust St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WILMINGTON CITY PWS serves 12,401 people · EPA ID OH1401211
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 481 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Brightspeed, Frontier.

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