Mercer County property record for 317 Summit St, Celina, OH 45822
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 2,696 sqft · built 1986 |
| Lot Size | 2.27 acres (99,012 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $524,900 (Jul 2026) |
| Tax Bill | $4,846 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Dec 2019 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-001800.0000 |
| Primary APN | 27-001800.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,696 sqft Living Area |
| Gross Area | 1,472 sqft |
| Basement Area | 1,224 sqft |
| Unfinished Basement | 308 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 99,012 sqft (2.27 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 317 SUMMIT ST |
|---|---|
| City | CELINA |
| State | OH |
| Zip | 45822-1075 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SE NE RTS: 002-05-36 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | JEFFERSON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 967500 |
Source: Mercer County records, as of August 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 317 SUMMIT ST, CELINA, OH 45822-1075 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jul 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE |
| Dec 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFFTON |
| Jul 9, 2021 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATIONAL BANK OF BLUFFTON |
| Dec 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFFTON |
| Oct 7, 2022 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATIONAL BANK OF BLUFFTON |
| Sep 1, 2020 | Intrafamily Transfer, Transfer |
| Sep 1, 2020 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2026 · Amount on Record |
| Deed Sale | Jul 17, 2026 · Amount on Record |
| Prior Sale | Dec 12, 2019 · Amount on Record |
| Deed Document Number | 20263229 |
| Prior Transfer Date | Aug 31, 2020 |
| Prior Transfer Doc | 0000005492 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Jul 17, 2026 |
| Property Address | 317 SUMMIT ST, CELINA, OH 45822-1075 |
| Document Number | 0000003229 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 20263229 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $159,044.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 317 SUMMIT ST, CELINA, OH 45822-1075 |
| Document Number | 0000003230, |
|---|---|
| Date | Jul 17, 2026 |
| Instrument | 20263230 |
| Name | RUOFF MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 317 SUMMIT ST, CELINA, OH 45822-1075 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 201900005843 |
|---|---|
| Date | Dec 12, 2019 |
| Instrument | 201900005843 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFFTON |
|---|---|
| Type | Bank |
| Address | BLUFFTON, OH 45817 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 317 SUMMIT ST, CELINA, OH 45822-1075 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202100004263 |
|---|---|
| Date | Jul 9, 2021 |
| Instrument | 202100004263 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFFTON |
|---|---|
| Type | Bank |
| Address | CELINA, OH 45822 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 30, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 317 SUMMIT ST, CELINA, OH 45822-1075 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 317 SUMMIT ST, CELINA, OH 45822-1075 |
| Document Number | 202100007787 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 202100007787 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFFTON |
|---|---|
| Type | Bank |
| Address | BLUFFTON, OH 45817 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 317 SUMMIT ST, CELINA, OH 45822-1075 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 317 SUMMIT ST, CELINA, OH 45822-1075 |
| Document Number | 202200004899 |
|---|---|
| Date | Oct 7, 2022 |
| Instrument | 202200004899 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFFTON |
|---|---|
| Type | Bank |
| Address | BLUFFTON, OH 45817 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 30, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Sep 1, 2020 |
| Property Address | 317 SUMMIT ST, CELINA, OH 45822-1075 |
| Document Number | 202000005493 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 202000005493 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 321 SUMMIT ST, CELINA, OH 45822-1075 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Sep 1, 2020 |
| Property Address | 317 SUMMIT ST, CELINA, OH 45822-1075 |
| Document Number | 202000005492 |
| Instrument Date | Aug 31, 2020 |
| Instrument | 202000005492 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 321 SUMMIT ST, CELINA, OH 45822-1075 |
Source: Mercer County assessment roll, as of February 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Mercer County |
| County Subdivision | Jefferson Township |
| Municipality | Celina City |
| Unified School District | Celina City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,846.00 | $122,190 (-) Land $14,630 Building $107,560 | |
| 2024 | $4,846.00 (+0.25%) | $122,190 (-) Land $14,630 Building $107,560 | |
| 2023 | $4,834.00 (+31.22%) | $122,190 (+50.28%) Land $14,630 Building $107,560 | $349,100 (+50.28%) Land $41,800 Building $307,300 |
| 2022 | $3,684.00 | $81,310 Land $9,490 Building $71,820 | |
| 2020 | $232,300 Land $27,100 Building $205,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective May 16, 2012 · 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 | 2 in force |
| Nearby Flood Claims | 1 (2008) |
| Most Recent Claim | Feb 2008 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 85% 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: FCC Broadband Data Collection, based on 68 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 |
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