31 Apple Valley Blvd, Howard, OH 43028 Property Records

Knox County property record for 31 Apple Valley Blvd, Howard, OH 43028

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,592 sqft · built 1995
Lot Size	0.399 acres (17,380 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Dec 2024)
Tax Bill	$3,039 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Dec 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-00428.000`

Property Details

APN / Parcel Number

Primary APN	`23-00428.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,592 sqft Living Area
1st Floor Area	1,592 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	17,380 sqft (0.399 acres)
Lot Dimensions	220 ft deep x 79 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	276 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas

Location & Zoning

Street Address	31 APPLE VALLEY BLVD
City	HOWARD
State	OH
Zip	43028-8071
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORCHARD HILLS LOT #428
Legal Subdivision	ORCHARD HILLS
Legal Lot Number	428
Jurisdiction	KNOX OH
Township / Civil Division	HOWARD
Census Block Group	2
Census Block	2025
Census Tract	6801

Owner

Source: Knox County records, as of June 11, 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	31 APPLE VALLEY BLVD, HOWARD, OH 43028-8071
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Deed of Trust, Mortgage · FHA Mortgage FEDERAL SAVINGS BANK
Dec 31, 2024	Warranty Deed, Transfer · FHA Mortgage FIRST COMMUNITY MORTGAGE INC
Aug 13, 2019	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC
Jun 5, 2018	Warranty Deed, Transfer AMERICAN FIN'L NETWORK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2024 · Amount on Record
Deed Sale	Dec 31, 2024 · Amount on Record
Prior Sale	May 20, 2013 · Amount on Record
Deed Document Number	20249020
Deed Book / Page	2053 / 725
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX OH
Property Address	31 APPLE VALLEY BLVD, HOWARD, OH 43028-8071
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000008617
Date	Oct 20, 2022
Book Page	1948/170
Instrument	20220-00008617

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KNOX OH
Recording Date	Dec 31, 2024
Property Address	31 APPLE VALLEY BLVD, HOWARD, OH 43028-8071
Document Number	0000009020
Book / Page	2053 / 725
Instrument Date	Dec 27, 2024
Instrument	202400009020
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 APPLE VALLEY BLVD, HOWARD, OH 43028-8071

Mortgage

Document Number	0000009021
Date	Dec 31, 2024
Instrument	202400009021

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

Mortgage

Document Number	0000009022
Date	Dec 31, 2024
Book Page	2053/750
Instrument	202400009022

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX OH
Property Address	31 APPLE VALLEY BLVD, HOWARD, OH 43028-8071
Document Number	0017360964
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 APPLE VALLEY BLVD HOWARD OH 430288071, HOWARD, OH 43028-8071

Mortgage

Document Number	0017360964
Date	Aug 26, 2019
Book Page	001736/000964
Instrument	6326

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KNOX OH
Recording Date	Jun 5, 2018
Property Address	31 APPLE VALLEY BLVD, HOWARD, OH 43028-8071
Document Number	0016720811
Book / Page	001672 / 000811
Instrument Date	Jun 4, 2018
Instrument	4403
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$479.70
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 APPLE VALLEY BLVD HOWARD OH 430288071, HOWARD, OH 43028-8071

Mortgage

Document Number	16720813
Date	Jun 5, 2018
Book Page	001672/000813
Instrument	4404

Lender

Name	AMERICAN FIN'L NETWORK
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2048

Tax Assessment & Valuation

Source: Knox County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Knox County
County Subdivision	Howard Township
Unified School District	East Knox Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$213,560 (-) Land $10,700 Building $202,860
2025	$3,039.00 (+1.3%)	$74,750 (-) Land $3,750 Building $71,000
2024	$3,000.00 (+0.33%)	$74,750 (-) Land $3,750 Building $71,000
2023	$2,990.00 (+22.64%)	$74,750 (+43.01%) Land $3,750 Building $71,000	$213,560 (+43%) Land $10,700 Building $202,860
2022	$2,438.00	$52,270 Land $2,620 Building $49,650
2020			$149,340 Land $7,480 Building $141,860

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

Source: FEMA National Flood Hazard Layer, effective July 7, 2009 · 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
Nearby Flood Claims	2 (2010–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2014 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	KNOX COUNTY WATER AND WASTEWATER PWS private · serves 8,250 people · EPA ID OH4202012
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	2 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	2 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

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