Mercer County property record for 316 Harbor Point Dr, Celina, OH 45822
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,244 sqft · built 1946 |
| Lot Size | 0.12 acres (5,265 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Dec 1993) |
| Tax Bill | $5,618 (2025) |
| Deeds & Mortgages | Sep 2018 Line of Credit Feb 2023 Line of Credit + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-254200.0000 |
| Primary APN | 26-254200.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,244 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Lot Area | 5,265 sqft (0.12 acres) |
| Lot Dimensions | 128 ft deep x 122 ft wide |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 316 HARBOR POINT DR |
|---|---|
| City | CELINA |
| State | OH |
| Zip | 45822-2612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARBOR POINT PT LOT 92 ALSO IN LOT 94; VAC SEC LAND LOT#: 93 |
| Legal Subdivision | HARBOR POINT |
| Legal Lot Number | 94; |
| Jurisdiction | MERCER OH |
| Township / Civil Division | JEFFERSON |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 967600 |
316 Harbor Point Dr is owned by two individuals who acquired it in January 2024.
Source: Mercer County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 316 HARBOR POINT DR, CELINA, OH 45822-2612 |
| 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 |
|---|---|
| Sep 12, 2018 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATIONAL BANK OF BLUFFTON |
| Feb 24, 2023 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATIONAL BANK OF BLUFFTON |
| Jul 14, 2008 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATIONAL BANK OF BLUFFTON |
| Apr 21, 2005 | Deed of Trust, Mortgage · Line of Credit COMUNITY FIRST BANK & TRUST |
| Aug 19, 2013 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATIONAL BANK OF BLUFFTON |
| Nov 8, 2010 | Deed of Trust, Mortgage CITIZENS NATIONAL BANK |
| Jul 16, 2024 | Warranty Deed, Transfer |
| Jan 19, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 1993 · Amount on File |
| Deed Sale | Dec 13, 1993 · Amount on File |
| Last Transfer Date | Jan 14, 2024 |
| Transfer Doc | 0000000250 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 316 HARBOR POINT DR, CELINA, OH 45822-2612 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 201800004450 |
|---|---|
| Date | Sep 12, 2018 |
| Instrument | 201800004450 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFFTON |
|---|---|
| Type | Bank |
| Address | CELINA, OH 45822 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Sep 30, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 316 HARBOR POINT DR, CELINA, OH 45822-2612 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 316 HARBOR POINT DR, CELINA, OH 45822-2612 |
| Document Number | 202300000635 |
|---|---|
| Date | Feb 24, 2023 |
| Instrument | 202300000635 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFFTON |
|---|---|
| Type | Bank |
| Address | LIMA, OH 45802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Feb 28, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 316 HARBOR POINT DR, CELINA, OH 45822-2612 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 200800004144 |
|---|---|
| Date | Jul 14, 2008 |
| Instrument | 200800004144 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFFTON |
|---|---|
| Address | CELINA, OH 45822 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jul 30, 2013 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 316 HARBOR POINT DR, CELINA, OH 45822-2612 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 200500002417 |
|---|---|
| Date | Apr 21, 2005 |
| Instrument | 200500002417 |
| Name | COMUNITY FIRST BANK & TRUST |
|---|---|
| Address | CELINA, OH 45822 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 14, 2015 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 316 HARBOR POINT DR, CELINA, OH 45822-2612 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 201300004960 |
|---|---|
| Date | Aug 19, 2013 |
| Instrument | 201300004960 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFFTON |
|---|---|
| Type | Bank |
| Address | CELINA, OH 45822 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Aug 31, 2018 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 316 HARBOR POINT DR, CELINA, OH 45822-2612 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 201000005888 |
|---|---|
| Date | Nov 8, 2010 |
| Instrument | 201000005888 |
| Name | CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | BLUFFTON, OH 45817 |
| Amount | Amount on Record |
|---|---|
| Term | 181 Months |
| Due | Dec 1, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Jul 16, 2024 |
| Property Address | 316 HARBOR POINT DR, CELINA, OH 45822-2612 |
| Document Number | 202400002537 |
| Map Reference | MB 4 PG 25 |
| Instrument Date | Jul 11, 2024 |
| Instrument | 202400002537 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 316 HARBOR POINT DR, CELINA, OH 45822-2612 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Jan 19, 2024 |
| Property Address | 316 HARBOR DR, CELINA, OH 45822 |
| Document Number | 202400000250 |
| Instrument Date | Jan 14, 2024 |
| Instrument | 202400000250 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1224 JESSICA LN, CELINA, OH 45822-8714 |
The 2025 property tax bill for 316 Harbor Point Dr was $5,618.
Source: Mercer County assessment roll, as of February 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Mercer County |
| County Subdivision | Jefferson Township |
| Unified School District | Celina City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,618.00 | $132,160 (+4.48%) Land $53,060 Building $79,100 | |
| 2024 | $5,618.00 (+6.06%) | $126,490 (+1.79%) Land $47,390 Building $79,100 | |
| 2023 | $5,297.00 (+24.08%) | $124,260 (+48.97%) Land $47,920 Building $76,340 | $377,600 Land $151,600 Building $226,000 |
| 2022 | $4,269.00 | $83,410 Land $30,240 Building $53,170 | |
| 2020 | $238,300 Land $86,400 Building $151,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 316 Harbor Point Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective May 16, 2012
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 316 Harbor Point Dr 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 | Direct burnable vegetation |
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 | CITY OF CELINA serves 11,682 people · EPA ID OH5400011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Communications Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures