25 Oak St, Shelby, OH 44875 Property Records

Richland County property record for 25 Oak St, Shelby, OH 44875

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,396 sqft · built 1900
Lot Size	0.143 acres (6,247 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Oct 2024)
Tax Bill	$960 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`046-08-180-10-000`

Property Details

APN / Parcel Number

Primary APN	`046-08-180-10-000`
Alternative APN	`05131`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,396 sqft Living Area
1st Floor Area	500 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	6,247 sqft (0.143 acres)
Lot Dimensions	76 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	25 OAK ST
City	SHELBY
State	OH
Zip	44875-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1076 52.5 X 72 OAK ST 38
Legal Subdivision	SHELBY
Jurisdiction	RICHLAND OH
Township / Civil Division	SHARON
Census Block Group	4
Census Block	4038
Census Tract	2600

Owner

25 Oak St is owned and occupied by an individual who bought it in October 2024.

Source: Richland County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	25 OAK ST, SHELBY, OH 44875-1305
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Nov 12, 2025	Deed of Trust, Mortgage · FHA Mortgage LOWER LLC
Oct 23, 2024	Warranty Deed, Transfer · FHA Mortgage LOWER LLC
Aug 25, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2024 · Amount on File
Deed Sale	Oct 23, 2024 · Amount on File
Prior Sale	Aug 25, 2020 · Amount on File
Deed Document Number	202410652
Deed Book / Page	3020 / 4642
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	25 OAK ST, SHELBY, OH 44875-1305
Transaction Type	Mortgage
Record Updated	Nov 20, 2025
Title Company	SUMMIT TITLE SERVICES LLC, SUMMIT STLMT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 OAK ST, SHELBY, OH 44875-1305

Mortgage

Document Number	03034/5255
Date	Nov 12, 2025
Book Page	3034/5255
Instrument	202500012300

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND OH
Recording Date	Oct 23, 2024
Property Address	25 OAK ST, SHELBY, OH 44875-1305
Document Number	03020/4642
Book / Page	3020 / 4642
Instrument Date	Oct 10, 2024
Instrument	202400010652
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SOLUTIONS

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 OAK ST, SHELBY, OH 44875-1305

Mortgage

Document Number	202400010653
Date	Oct 23, 2024
Instrument	202400010653

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2049

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND OH
Recording Date	Aug 25, 2020
Property Address	25 OAK ST, SHELBY, OH 44875-1305
Document Number	0002812/34
Book / Page	2812 / 34
Instrument Date	Aug 20, 2020
Instrument	202000009853
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	SOUTHERN TITLE

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 OAK ST, SHELBY, OH 44875-1305

Mortgage

Document Number	202000009854
Date	Aug 25, 2020
Instrument	202000009854

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 25 Oak St was $960, up 0.1% from the year before.

Source: Richland County assessment roll, as of April 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Richland County
County Subdivision	Sharon Township
Municipality	Shelby City
Unified School District	Shelby City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$960.00 (+0.1%)	$25,780 (+3.74%) Land $3,790 Building $21,990	$73,650 Land $10,820 Building $62,830
2024	$959.00 (+0.84%) Homeowner's exemption	$24,850 (-) Land $2,860 Building $21,990
2023	$951.00 (-11.2%) Homeowner's exemption	$24,850 (+21.46%) Land $2,860 Building $21,990	$73,650 Land $10,820 Building $62,830
2022	$1,071.00 Homeowner's exemption	$20,460 Land $3,070 Building $17,390
2020			$58,440 Land $8,760 Building $49,680

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 25 Oak St in Zone X, an area of minimal flood risk, though there have been 82 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	82 (1979–2011)
Claims Outside the SFHA	11 of 82
Most Recent Claim	Feb 2011 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 39 claims Severe Storms And Flooding, Jun 2004 · 6 claims Severe Storms & Flooding, Jul 1987 · 12 claims

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

Wildfire risk around 25 Oak St 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	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	SHELBY CITY serves 9,453 people · EPA ID OH7004511
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (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 465 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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