Shelby County property record for 302 Charles Ave, Sidney, OH 45365
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,540 sqft · built 1965 |
| Lot Size | 0.316 acres (13,778 sqft) |
| Owner | Individual Name on File |
| Last Sale | $144,000 (Dec 2016) |
| Tax Bill | $2,051 (2025) |
| Deeds & Mortgages | Jun 2006 Line of Credit Jun 2006 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-1835278.001 |
| Primary APN | 01-1835278.001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,540 sqft Living Area |
| 1st Floor Area | 1,540 sqft |
| Basement Area | 1,540 sqft |
| Unfinished Basement | 1,540 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Construction Type | Brick |
| Roof Material | Shingle |
| Lot Area | 13,778 sqft (0.316 acres) |
| Lot Dimensions | 166 ft deep x 83 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 472 sqft |
| Patio Area | 758 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 302 CHARLES AVE |
|---|---|
| City | SIDNEY |
| State | OH |
| Zip | 45365-2514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3438 EMERSON SUBDIVISION CITY OF SIDNEY 020-18-35-278-001PLAT V5 P91 |
| Legal Subdivision | EMERSON SUBDIVISION |
| Legal Lot Number | 3438 |
| Jurisdiction | SHELBY OH |
| Township / Civil Division | CLINTON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 971900 |
302 Charles Ave is owned and occupied by an individual who bought it in December 2016.
Source: Shelby County records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 302 CHARLES AVE, SIDNEY, OH 45365-2514 |
| 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.
| Date | Document |
|---|---|
| Jun 1, 2006 | Deed of Trust, Mortgage · Line of Credit GB HOME EQUITY LLC |
| Jun 1, 2006 | Deed of Trust, Mortgage UNION SAVINGS BANK |
| Dec 29, 2016 | Warranty Deed, Transfer · USDA Mortgage USDA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2016 · Amount on File |
| Deed Sale | Dec 29, 2016 · Amount on File |
| Prior Sale | Dec 23, 2002 · Amount on File |
| Deed Document Number | 20167474 |
| Deed Book / Page | 2066 / 691 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 302 CHARLES AVE, SIDNEY, OH 45365-2514 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | TRISTATE TITLE AGENCY LLC, TRI STAR TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 001591/757 |
|---|---|
| Date | Jun 1, 2006 |
| Book Page | 1591/757 |
| Instrument | 200600003893 |
| Name | GB HOME EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | 4000 W BROWN DEER RD, MILWAUKEE, WI 53209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 238 Months |
| Due | Apr 25, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 302 CHARLES AVE, SIDNEY, OH 45365-2514 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Title Company | TRISTATE TITLE AGENCY LLC, TRI STAR TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 001591/753 |
|---|---|
| Date | Jun 1, 2006 |
| Book Page | 1591/753 |
| Instrument | 200600003892 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | 8534 E KEMPER RD, CINCINNATI, OH 45249 |
| Amount | Amount on Record |
|---|---|
| Term | 359 Months |
| Due | May 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY OH |
| Recording Date | Dec 29, 2016 |
| Property Address | 302 CHARLES AVE, SIDNEY, OH 45365-2514 |
| Document Number | 002066/691 |
| Book / Page | 2066 / 691 |
| Map Reference | VOL5 PG91 |
| Instrument Date | Dec 29, 2016 |
| Instrument | 201600007474 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount 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 | 1302 CHARLES AVE, SIDNEY, ID |
| Document Number | 201600007475 |
|---|---|
| Date | Dec 29, 2016 |
| Instrument | 201600007475 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 396 Months |
| Due | Dec 28, 2049 |
The 2025 property tax bill for 302 Charles Ave was $2,051 with a homeowner's exemption, down 6% from the year before.
Source: Shelby County assessment roll, as of March 24, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Shelby County |
| County Subdivision | Clinton Township |
| Municipality | Sidney City |
| Unified School District | Sidney City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,051.00 (-6%) | $63,120 (-) Land $13,030 Building $50,090 | |
| 2024 | $2,182.00 (-2.24%) Homeowner's exemption | $63,120 (-) Land $13,030 Building $50,090 | |
| 2023 | $2,232.00 (+20.78%) Homeowner's exemption | $63,120 (+36.71%) Land $13,030 Building $50,090 | $180,340 Land $37,230 Building $143,110 |
| 2022 | $1,848.00 Homeowner's exemption | $46,170 Land $11,710 Building $34,460 | |
| 2020 | $131,910 Land $33,450 Building $98,460 |
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 302 Charles Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 21, 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 risk around 302 Charles Ave 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SIDNEY CITY PWS serves 20,614 people · EPA ID OH7501214 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2024 |
|---|---|
| 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 487 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| NKTELCO - Goldstar Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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