Holmes County property record for 3651 State Rte 643, Baltic, OH 43804
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,566 sqft · built 2006 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $20,500 (Dec 2002) |
| Tax Bill | $6,342 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Aug 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-00024-000 |
| Primary APN | 03-00024-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,566 sqft Living Area |
| 1st Floor Area | 3,566 sqft |
| Basement Area | 3,756 sqft |
| Unfinished Basement | 3,756 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 108,900 sqft (2.5 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 190 sqft |
| Deck Area | 80 sqft |
| Kennel | 480 sqft |
| Lean-To | 504 sqft |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Account Number | 013725-7 |
|---|---|
| Street Address | 3651 STATE ROUTE 643 |
| City | BALTIC |
| State | OH |
| Zip | 43804-9689 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | R5 T8 S23 PT E PT SW 2.50A C-11 RES 12/27/02 |
| Legal Range | 05W |
| Legal Township | 08N |
| Legal Section | 23 |
| Jurisdiction | HOLMES OH |
| Township / Civil Division | CLARK |
| Census Block Group | 1 |
| Census Block | 1078 |
| Census Tract | 976801 |
3651 State Rte 643 is owned and occupied by two individuals who bought it in December 2002.
Source: Holmes County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3651 STATE ROUTE 643, BALTIC, OH 43804-9689 |
| 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 |
|---|---|
| Oct 13, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Aug 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Jan 12, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Feb 8, 2018 | Deed of Trust, Mortgage CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 2002 · Amount on File |
| Deed Sale | Dec 27, 2002 · Amount on File |
| Prior Sale | Dec 20, 2002 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLMES OH |
| Property Address | 3651 STATE ROUTE 643, BALTIC, OH 43804-9689 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2022 |
| Title Company | ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 3651 STATE ROUTE 643, BALTIC, OH 43804-9689 |
| Document Number | 00283/2809 |
|---|---|
| Date | Oct 13, 2022 |
| Book Page | 283/2809 |
| Instrument | 202200004800 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | JOHNSTON, RI 02919 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Sep 21, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLMES OH |
| Property Address | 3651 STATE ROUTE 643, BALTIC, OH 43804-9689 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00282/4818 |
|---|---|
| Date | Aug 12, 2022 |
| Book Page | 282/4818 |
| Instrument | 202200003749 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLMES OH |
| Property Address | 3651 STATE ROUTE 643, BALTIC, OH 43804-9689 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 3651 OH 643, BALTIC, OH 43804 |
| Document Number | 275/2688 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 275/2688 |
| Instrument | 202100012903 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Dec 22, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLMES OH |
| Property Address | 3651 STATE ROUTE 643, BALTIC, OH 43804-9689 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000262/0000006853 |
|---|---|
| Date | Feb 8, 2018 |
| Book Page | 0000000262/0000006853 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 299 Months |
| Due | Jan 1, 2043 |
The 2025 property tax bill for 3651 State Rte 643 was $6,342, up 8.2% from the year before.
Source: Holmes County assessment roll, as of March 26, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Holmes County |
| County Subdivision | Clark Township |
| Unified School District | Garaway Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,342.00 (+8.24%) | $170,510 (+21.71%) Land $31,380 Building $139,130 | $487,150 Land $89,650 Building $397,500 |
| 2024 | $5,859.00 (-0.8%) | $140,100 (-) Land $26,240 Building $113,860 | |
| 2023 | $5,906.00 (+8.49%) | $140,100 (-) Land $26,240 Building $113,860 | |
| 2022 | $5,444.00 | $140,100 Land $26,240 Building $113,860 | $400,280 Land $74,980 Building $325,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3651 State Rte 643 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective October 18, 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 | 2 (1979–1981) |
| Most Recent Claim | Jun 1981 · tidal / storm surge |
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 risk around 3651 State Rte 643 is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Smart Way Communications Fixed Wireless | 200 / 25 |
| Frontier DSL | 115 / 7 |
| altafiber Network Solutions Fixed Wireless | 50 / 10 |
| T-Mobile Fixed Wireless | 25 / 3 |
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