31 E Main St, Phillipsburg, OH 45354 Property Records

Montgomery County property record for 31 E Main St, Phillipsburg, OH 45354

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,052 sqft · built 1919
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Feb 2025)
Tax Bill	$4,470 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Sep 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C08-00107-0010`

Property Details

APN / Parcel Number

Primary APN	`C08-00107-0010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,052 sqft Living Area
1st Floor Area	840 sqft
Basement Area	600 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Stucco
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Detached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	31 E MAIN ST
City	PHILLIPSBURG
State	OH
Zip	45354-3518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	55
Legal Subdivision	VILLAGE/PHILLIPSBURGREV
Legal Lot Number	10
Jurisdiction	MONTGOMERY OH
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1034
Census Tract	130101

Owner

Source: Montgomery County records, as of July 22, 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 E MAIN ST, TROTWOOD, OH 45426-2830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 2, 2022	Limited Warranty Deed, Transfer
Dec 23, 2019	Loan Modification, Mortgage PENNYMAC
Nov 9, 2018	Warranty Deed, Transfer CENTURY LNDG
Sep 27, 2017	Grant Deed, Transfer SOJOURNERS TITLE AGENCY
Apr 6, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2025 · Amount on Record
Deed Sale	Feb 3, 2025 · Amount on Record
Prior Sale	Sep 2, 2022 · Amount on Record
Deed Document Number	20256090
Prior Transfer Date	Oct 22, 1998
Prior Transfer Doc	0000023876
Record Updated	Oct 29, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Feb 3, 2025
Property Address	31 E MAIN ST, PHILLIPSBURG, OH 45354
Document Number	0000006090
Instrument Date	Dec 30, 2024
Instrument	2025-00006090
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount Recorded
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	31 E MAIN ST, TROTWOOD, OH 45426-2830

Mortgage

Document Number	0000006091
Date	Feb 3, 2025
Instrument	2025-00006091

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2055

September 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 2, 2022
Property Address	31 E MAIN ST, PHILLIPSBURG, OH 45354
Document Number	0000055664
Instrument Date	Aug 11, 2022
Instrument	2022-00055664
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Amount	Amount Recorded
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	31 E MAIN ST, PHILLIPSBURG, OH 45354

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY OH
Property Address	31 E MAIN ST, PHILLIPSBURG, OH 45354
Document Number	0000009080
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 E MAIN ST PHILLIPSBURG OH 45354, PHILLIPSBURG, OH 45354

Mortgage

Document Number	0000009080
Date	Feb 6, 2020
Instrument	9080

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2050

Interest

Rate Type	Fixed Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Nov 9, 2018
Property Address	31 E MAIN ST, PHILLIPSBURG, OH 45354
Document Number	0000066252
Instrument Date	Oct 26, 2018
Instrument	66252
Transaction Type	Transfer
Record Updated	Mar 2, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 E MAIN ST PHILLIPSBURG OH 45354, PHILLIPSBURG, OH 45354

Mortgage

Document Number	66253
Date	Nov 9, 2018
Instrument	66253

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2048

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Sep 27, 2017
Property Address	31 E MAIN ST, PHILLIPSBURG, OH 45354
Document Number	0000057159
Instrument Date	Sep 6, 2017
Instrument	57159
Transaction Type	Transfer
Record Updated	Nov 3, 2017
Title Company	SOJOURNERS TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$52.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6665 POWNER FARM DR CINCINNATI OH 452482971, CINCINNATI, OH 45248-2971

April 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONTGOMERY OH
Recording Date	Apr 6, 2017
Property Address	31 E MAIN ST, PHILLIPSBURG, OH 45354
Document Number	0000020161
Instrument Date	Mar 28, 2017
Instrument	20161
Transaction Type	Foreclosure
Record Updated	Apr 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$90.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	PO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	Clay Township
Municipality	Phillipsburg Village
Unified School District	Northmont City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,470.00	$47,490 (-) Land $8,540 Building $38,950	$135,680 (-) Land $24,390 Building $111,290
2024	$4,470.00 (+27.93%)
2023	$3,494.00 (+3.74%)	$47,490 (+40.96%) Land $8,540 Building $38,950	$135,680 (+41%) Land $24,390 Building $111,290
2022	$3,368.00	$33,690 Land $6,060 Building $27,630
2020			$96,230 Land $17,300 Building $78,930

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 June 21, 2024 · 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	4 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2013 · river or lake flooding

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 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	PHILLIPSBURG VILLAGE PWS serves 490 people · EPA ID OH5702112
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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