245 Richards Cir, Delaware, OH 43015 Property Records

Delaware County property record for 245 Richards Cir, Delaware, OH 43015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,412 sqft · built 1997
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$113,500 (Mar 2005)
Tax Bill	$3,212 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Sep 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`519-343-13-001-001`

Property Details

APN / Parcel Number

Primary APN	`519-343-13-001-001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,412 sqft Living Area
Gross Area	2,266 sqft
1st Floor Area	609 sqft
Upper Floors Area	803 sqft
Basement Area	609 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Stoop
Porch Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	245 RICHARDS CIR
City	DELAWARE
State	OH
Zip	43015-4224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 6035
Legal Subdivision	APPLEGATE BEND
Legal Lot Number	6035
Jurisdiction	DELAWARE OH
Township / Civil Division	DELAWARE CITY
Census Block Group	5
Census Block	5008
Census Tract	10520

Owner

Source: Delaware County records, as of May 27, 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 RICHARDS CIR, DELAWARE, OH 43015-4224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Sep 6, 2018	Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2005 · Amount on Record
Deed Sale	Mar 4, 2005 · Amount on Record
Deed Document Number	20058354
Deed Book / Page	589 / 2488
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	245 RICHARDS CIR, DELAWARE, OH 43015-4224
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 RICHARDS CIR, DELAWARE, OH 43015-4224

Mortgage

Document Number	0000027681
Date	Dec 28, 2023
Book Page	2069/1998
Instrument	202300027681

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	297 Months
Due	Sep 1, 2048

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DELAWARE OH
Property Address	245 RICHARDS CIR, DELAWARE, OH 43015-4224
Document Number	0000026484
Instrument Date	Sep 6, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	245 RICHARDS CIR DELAWARE OH 430154224, DELAWARE, OH 43015-4224

Mortgage

Document Number	0000026484
Date	Sep 27, 2018
Book Page	001597/002001
Instrument	26484

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2048

Interest

Rate	3.37%

Tax Assessment & Valuation

Source: Delaware County assessment roll, as of May 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,212.00 (+5.14%)	$63,150 (-) Land $9,630 Building $53,520	$180,400 (-) Land $27,500 Building $152,900
2024	$3,055.00 (-0.2%)	$63,150 (-) Land $9,630 Building $53,520
2023	$3,061.00	$63,150 Land $9,630 Building $53,520	$180,400 Land $27,500 Building $152,900

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 June 3, 2026

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 430 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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