3487 Spratt Rd, Cumberland, OH 43732 Property Records

Guernsey County property record for 3487 Spratt Rd, Cumberland, OH 43732

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,200 sqft · built 1961
Lot Size	18.7 acres (816,314 sqft)
Owner	Individual Name on File
Tax Bill	$2,449 (2025)
Deeds & Mortgages	May 2023 Transfer Nov 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`36-0000191.000`

Property Details

APN / Parcel Number

Primary APN	`36-0000191.000`
Alternative APN	`002755-3`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Frame
Roof Material	Shingle
Lot Area	816,314 sqft (18.7 acres)
Terrain	Rolling
Garage Area	624 sqft

Exterior Amenities

Porch	Slab
Porch Area	300 sqft
Shed	1 Shed
Shed Area	192 sqft
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	002755-3
Street Address	3487 SPRATT RD
City	CUMBERLAND
State	OH
Zip	43732-9704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R10 T9 SS31 PT N 1/2 NE 1/4
Legal Range	10W
Legal Township	09N
Legal Section	31
Legal Tract	9
Jurisdiction	GUERNSEY OH
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3090
Census Tract	978000

Owner

3487 Spratt Rd is owned and occupied by an individual who acquired it in October 2019.

Source: Guernsey County records, as of July 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3487 SPRATT RD, CUMBERLAND, OH 43732-9704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 7, 2019	Transfer on Death Deed, Transfer
Nov 7, 2019	Quit Claim Deed, Transfer Quitclaim
Dec 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Jan 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 22, 2019
Transfer Doc	00565/4393
Record Updated	Sep 20, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GUERNSEY OH
Recording Date	May 22, 2023
Property Address	3487 SPRATT RD, CUMBERLAND, OH 43732-9704
Document Number	00589/5182
Book / Page	589 / 5182
Instrument Date	May 17, 2023
Instrument	202300003263
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 E MAIN ST, CUMBERLAND, OH 43732-9788

November 2019: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	GUERNSEY OH
Recording Date	Nov 7, 2019
Property Address	3487 SPRATT RD, CUMBERLAND, OH 43732-9704
Document Number	00565/4393
Book / Page	565 / 4393
Instrument Date	Oct 22, 2019
Instrument	201900006301
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GUERNSEY OH
Recording Date	Nov 7, 2019
Property Address	3487 SPRATT RD, CUMBERLAND, OH 43732-9704
Document Number	00565/4391
Book / Page	565 / 4391
Instrument Date	Oct 21, 2019
Instrument	201900006300
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3487 SPRATT RD, CUMBERLAND, OH 43732-9704

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	3487 SPRATT RD, CUMBERLAND, OH 43732-9704
Transaction Type	Mortgage
Record Updated	Dec 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700007255
Date	Dec 18, 2017
Book Page	553/0612
Instrument	201700007255

Lender

Name	PEOPLES BANK
Type	Bank
Address	MARIETTA, OH 45750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	3487 SPRATT RD, CUMBERLAND, OH 43732-9704
Transaction Type	Mortgage
Record Updated	Feb 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700000627
Date	Jan 31, 2017
Book Page	544/1065
Instrument	201700000627

Lender

Name	PEOPLES BANK
Type	Bank
Address	MARIETTA, OH 45750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Dec 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 3487 Spratt Rd was $2,449 with a homeowner's exemption, down 2.9% from the year before.

Source: Guernsey County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Guernsey County
County Subdivision	Spencer Township
Unified School District	Rolling Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,449.00 (-2.89%) Homeowner's exemption	$65,016 (-) Land $25,840 Building $39,176
2024	$2,522.00 (+23.14%) Homeowner's exemption	$65,016 (+26.84%) Land $25,840 Building $39,176	$185,760 Land $73,830 Building $111,930
2023	$2,048.00 (-1.3%) Homeowner's exemption	$51,257 (+0.01%) Land $20,408 Building $30,849
2022	$2,075.00 Homeowner's exemption	$51,250 Land $20,410 Building $30,840	$146,430 (-0.01%) Land $58,310 Building $88,120
2021			$146,450 Land $58,310 Building $88,140

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3487 Spratt Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective August 16, 2011 · 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 Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · Severe Storms And 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

Wildfire risk around 3487 Spratt Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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