321 E Water St, Chillicothe, OH 45601 Property Records

Ross County property record for 321 E Water St, Chillicothe, OH 45601

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,893 sqft · built 1900
Lot Size	0.11 acres (4,783 sqft)
Owner	Individual Name on File
Last Sale	$111,700 (Oct 2021)
Tax Bill	$600 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-54-14-017.000`

Property Details

APN / Parcel Number

Primary APN	`30-54-14-017.000`
Alternative APN	`541401`

Interior

Full Baths	1 Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,893 sqft Living Area
Gross Area	3,047 sqft
1st Floor Area	1,653 sqft
2nd Floor Area	240 sqft
Basement Area	1,154 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Brick
Roof Material	Other
Lot Area	4,783 sqft (0.11 acres)
Lot Dimensions	165 ft deep x 29 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	541401
Street Address	321 E WATER ST
City	CHILLICOTHE
State	OH
Zip	45601-2656
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	321 E WATER R 28.6X165 54-14-17 ENG # 17-4-328 0213/2491
Legal Subdivision	CHILLICOTHE
Legal Lot Number	2,3
Jurisdiction	ROSS OH
Township / Civil Division	SCIOTO
Census Block Group	1
Census Block	1010
Census Tract	956400

Owner

321 E Water St is owned and occupied by an individual who bought it in October 2021.

Source: Ross County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	321 E WATER ST, CHILLICOTHE, OH 45601-2656
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on File
Deed Sale	Oct 19, 2021 · Amount on File
Prior Sale	Nov 24, 2014 · Amount on File
Deed Document Number	20219491
Deed Book / Page	555 / 2219
Prior Transfer Date	Mar 4, 2011
Prior Transfer Doc	0004060713
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSS OH
Recording Date	Oct 19, 2021
Property Address	321 E WATER ST, CHILLICOTHE, OH 45601-2656
Document Number	0005552219
Book / Page	555 / 2219
Instrument Date	Sep 30, 2021
Instrument	202100009491
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3216 WATER ST, CHILLICOTHE, OH 45601

Mortgage

Document Number	202100009492
Date	Oct 19, 2021
Instrument	202100009492

Lender

Name	ATOMIC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 321 E Water St was $600, up 11.5% from the year before.

Source: Ross County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ross County
County Subdivision	Scioto Township
Municipality	Chillicothe City
Unified School District	Chillicothe City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$600.00 (+11.52%)	$16,640 (+23.17%) Land $2,480 Building $14,160	$47,540 (+23.13%) Land $7,090 Building $40,450
2024	$538.00 (-1.65%) Homeowner's exemption	$13,510 (-) Land $2,480 Building $11,030	$38,610 Land $7,090 Building $31,520
2023	$547.00 (-0.18%) Homeowner's exemption	$13,510 (-) Land $2,480 Building $11,030
2022	$548.00 Homeowner's exemption	$13,510 Land $2,480 Building $11,030	$38,610 Land $7,090 Building $31,520

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 321 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

Wildfire risk around 321 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.

Drinking Water

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

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 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