38345 Bower Rd, Scio, OH 43988 Property Records

Harrison County property record for 38345 Bower Rd, Scio, OH 43988

Property Summary

Property Type	Rural Home
Details	4 ba · 1,840 sqft · built 2014
Lot Size	10.5 acres (459,863 sqft)
Owner	2 Individuals on Record
Last Sale	$315,000 (Mar 2026)
Tax Bill	$2,902 (2025)
Deeds & Mortgages	Mar 2026 Sale Feb 2026 Mortgage + 5 more
Flood Zone	Zone A (high risk)
APN	`20-0000270.001`

Property Details

APN / Parcel Number

Primary APN	`20-0000270.001`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,840 sqft Living Area
1st Floor Area	1,840 sqft
Upper Floors Area	1,840 sqft
Basement Area	1,840 sqft
Unfinished Basement	1,840 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Construction Type	Frame
Roof Material	Metal
Lot Area	459,863 sqft (10.5 acres)
Lot Depth	613 ft Depth
Terrain	Rolling

Exterior Amenities

Shed	1 Shed
Shed Area	96 sqft
Lean-To	384 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Wood Furnace
Heating Fuel	Wood

Location & Zoning

Street Address	38345 BOWER RD
City	SCIO
State	OH
Zip	43988-8702
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	R5 T12 S31 SW 10.557A VOL 283/5584
Legal Range	05W
Legal Township	12N
Legal Section	31
Jurisdiction	HARRISON OH
Township / Civil Division	NORTH
Census Block Group	3
Census Block	3031
Census Tract	975700

Owner

Source: Harrison County assessment roll, as of March 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	38345 BOWER RD, SCIO, OH 43988-8702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Warranty Deed, Transfer NOMAD TITLE
Feb 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage PARK NATIONAL BANK
Jun 16, 2023	Warranty Deed, Transfer · Conventional Mortgage PARK NATIONAL BANK
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL COMMUNITY BANK NA
May 14, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL COMMUNITY BANK NA
Jun 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM BANK INC
May 26, 2020	Survivorship Deed, Transfer · Conventional Mortgage FIRST FEDERAL COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2026 · Amount on Record
Deed Sale	Mar 25, 2026 · Amount on Record
Prior Sale	Jun 16, 2023 · Amount on Record
Deed Document Number	20261050
Deed Book / Page	296 / 2269
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON OH
Recording Date	Mar 25, 2026
Property Address	38345 BOWER RD, SCIO, OH 43988-8702
Document Number	00296/2269
Book / Page	296 / 2269
Instrument Date	Mar 24, 2026
Instrument	202600001050
Transaction Type	Transfer
Record Updated	Apr 7, 2026
Title Company	NOMAD TITLE

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	38345 BOWER RD, SCIO, OH 43988-8702

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON OH
Property Address	38345 BOWER RD, SCIO, OH 43988-8702
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	HEARTLAND TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000296/255
Date	Feb 26, 2026
Book Page	296/255
Instrument	202600000679

Lender

Name	PARK NATIONAL BANK
Type	Bank
Address	NEWARK, OH 43058

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Mar 1, 2036
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Index	1-Year T-Bill
Max Rate	13.2%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON OH
Recording Date	Jun 16, 2023
Property Address	38345 BOWER RD, SCIO, OH 43988-8702
Document Number	00283/5584
Book / Page	283 / 5584
Instrument Date	Jun 15, 2023
Instrument	202300001761
Transaction Type	Transfer
Record Updated	Jul 6, 2023
Title Company	ALBAN TITLE

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	38345 BOWER RD, SCIO, OH 43988-8702

Mortgage

Document Number	00283/5588
Date	Jun 16, 2023
Book Page	283/5588
Instrument	202300001762

Lender

Name	PARK NATIONAL BANK
Type	Bank
Address	NEWARK, OH 43058

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jul 1, 2033
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year T-Bill
Max Rate	12.5%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON OH
Property Address	38345 BOWER RD, SCIO, OH 43988-8702
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	ALBAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00280/1506
Date	Aug 23, 2022
Book Page	280/1506
Instrument	202200002674

Lender

Name	FIRST FEDERAL COMMUNITY BANK NA
Type	Bank
Address	DOVER, OH 44622

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON OH
Property Address	38345 BOWER RD, SCIO, OH 43988-8702
Transaction Type	Mortgage
Record Updated	Jun 2, 2021
Title Company	ALBAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	274/3109
Date	May 14, 2021
Book Page	274/3109
Instrument	202100001327

Lender

Name	FIRST FEDERAL COMMUNITY BANK NA
Type	Bank
Address	DOVER, OH 44622

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON OH
Property Address	38345 BOWER RD, SCIO, OH 43988-8702
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	258/0301
Date	Jun 25, 2018
Book Page	258/0301
Instrument	201800002161

Lender

Name	FREEDOM BANK INC
Type	Bank
Address	BELINGTON, WV 26250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2033

May 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HARRISON OH
Recording Date	May 26, 2020
Property Address	38345 BOWER RD, SCIO, OH 43988-8702
Document Number	00270/1612
Book / Page	270 / 1612
Instrument Date	May 21, 2020
Instrument	202000001249
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	ALBAN TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	8245 LONG ROAD, TIPPECANOE, OH 44699

Mortgage

Document Number	202000001250
Date	May 26, 2020
Instrument	202000001250

Lender

Name	FIRST FEDERAL COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Jun 1, 2023
Change Frequency	3 Years
Min Rate At Change	3.5%
Max Rate At Change	4.87%
Index	3-Year CMT
Max Rate	8.37%

Tax Assessment & Valuation

Source: Harrison County assessment roll, as of March 2, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Harrison County
County Subdivision	North Township
Unified School District	Harrison Hills City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,902.00 (+0.1%) Homeowner's exemption Additional exemption filed	$75,690 (-) Land $13,630 Building $62,060
2024	$2,899.00 (+1.19%) Homeowner's exemption Additional exemption filed	$75,690 (-) Land $13,630 Building $62,060
2023	$2,865.00 (-4.72%) Homeowner's exemption Additional exemption filed	$75,690 (+49.67%) Land $13,630 Building $62,060	$216,250 (+32.58%) Land $38,940 Building $177,310
2022	$3,007.00 Homeowner's exemption Additional exemption filed	$50,570 Land $6,410 Building $44,160
2020			$163,110 Land $36,940 Building $126,170

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.

Flood

Source: FEMA National Flood Hazard Layer, effective May 4, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Claims	2 (2004–2007)
Most Recent Claim	Mar 2007

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

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	0.01% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

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

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