Ross County property record for 320 E Water St, Chillicothe, OH 45601
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,760 sqft · built 1900 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,500 (Apr 2017) |
| Tax Bill | $1,613 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-54-15-028.000 |
| Primary APN | 30-54-15-028.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 1,760 sqft Living Area |
| Gross Area | 2,808 sqft |
| 1st Floor Area | 1,016 sqft |
| 2nd Floor Area | 744 sqft |
| Upper Floors Area | 744 sqft |
| Basement Area | 968 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 198 ft deep x 33 ft wide |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Enclosed Porch |
| Deck Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 541502 |
|---|---|
| Street Address | 320 E WATER ST |
| City | CHILLICOTHE |
| State | OH |
| Zip | 45601-2657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 320 E WATER ST RES 71 33X198 54-15-28 ENG # 17-4-421 0246/0070 |
| Legal Subdivision | CHILLICOTHE |
| Legal Lot Number | 71 |
| Jurisdiction | ROSS OH |
| Township / Civil Division | SCIOTO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 956400 |
320 E Water St is owned and occupied by an individual who bought it in April 2017.
Source: Ross County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 320 E WATER ST, CHILLICOTHE, OH 45601-2657 |
| 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 |
|---|---|
| Feb 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Apr 4, 2017 | Warranty Deed, Transfer · FHA Mortgage MCS MORTGAGE BANKERS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2017 · Amount on File |
| Deed Sale | Apr 4, 2017 · Amount on File |
| Prior Sale | Sep 11, 2015 · Amount on File |
| Deed Document Number | 20172414 |
| Deed Book / Page | 504 / 295 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSS OH |
| Property Address | 320 E WATER ST, CHILLICOTHE, OH 45601-2657 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 320 E WATER ST, CHILLICOTHE, OH 45601-2657 |
| Document Number | 0005584167 |
|---|---|
| Date | Feb 25, 2022 |
| Book Page | 558/4167 |
| Instrument | 202200001499 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROSS OH |
| Recording Date | Apr 4, 2017 |
| Property Address | 320 E WATER ST, CHILLICOTHE, OH 45601-2657 |
| Document Number | 0005040295 |
| Book / Page | 0504 / 0295 |
| Instrument Date | Mar 31, 2017 |
| Instrument | 201700002414 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | TITLE FIRST AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment 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 | 1355 WESTERN AVE APT 117, 117, CHILLICOTHE, OH 45601-1126 |
| Document Number | 201700002415 |
|---|---|
| Date | Apr 4, 2017 |
| Instrument | 201700002415 |
| Name | MCS MORTGAGE BANKERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 320 E Water St was $1,613, up 20.4% from the year before.
Source: Ross County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Ross County |
| County Subdivision | Scioto Township |
| Municipality | Chillicothe City |
| Unified School District | Chillicothe City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,613.00 (+20.37%) | $43,640 (+32.81%) Land $2,890 Building $40,750 | $124,690 (+32.79%) Land $8,260 Building $116,430 |
| 2024 | $1,340.00 (-1.62%) | $32,860 (-) Land $2,890 Building $29,970 | $93,900 Land $8,260 Building $85,640 |
| 2023 | $1,362.00 (-0.15%) | $32,860 (-) Land $2,890 Building $29,970 | |
| 2022 | $1,364.00 | $32,860 Land $2,890 Building $29,970 | $93,900 Land $8,260 Building $85,640 |
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 320 E Water St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 7, 2023
| 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 320 E Water St 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 | CHILLICOTHE CITY PWS serves 21,725 people · EPA ID OH7100112 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 641 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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