38555 Bower Rd, Scio, OH 43988 Property Records

Harrison County property record for 38555 Bower Rd, Scio, OH 43988

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,384 sqft · built 2010
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Last Sale	$13,200 (Aug 2006)
Tax Bill	$2,010 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-0000026.005`

Property Details

APN / Parcel Number

Primary APN	`20-0000026.005`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,384 sqft Living Area
Upper Floors Area	576 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Construction Type	Frame
Roof Material	Shingle
Lot Area	174,240 sqft (4 acres)

Exterior Amenities

Patio Area	160 sqft
Shed	1 Shed
Shed Area	64 sqft
Lean-To	288 sqft

Utilities, Heating & Cooling

Heating System	Wood Furnace
Heating Fuel	Wood

Location & Zoning

Street Address	38555 BOWER RD
City	SCIO
State	OH
Zip	43988-8760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R5 T12 S31 4.00A VOL 167/1310
Jurisdiction	HARRISON OH
Township / Civil Division	NORTH
Census Block Group	3
Census Block	3031
Census Tract	975700

Owner

38555 Bower Rd is owned and occupied by two individuals who bought it in August 2006.

Source: Harrison County records, as of February 27, 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	2 Individual Names on File
Mailing Address	38555 BOWER RD, SCIO, OH 43988-8760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE EQUITABLE SAVINGS AND LOAN COMPANY
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS SAVINGS BANK
Nov 16, 2021	Deed of Trust, Mortgage · Line of Credit THE CITIZENS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2006 · Amount on File
Deed Sale	Aug 17, 2006 · Amount on File
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON OH
Property Address	38555 BOWER RD, SCIO, OH 43988-8760
Transaction Type	Mortgage
Record Updated	Mar 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00275/1264
Date	Jul 1, 2021
Book Page	275/1264
Instrument	202100001901

Lender

Name	THE EQUITABLE SAVINGS AND LOAN COMPANY
Type	Non-Lending Institution
Address	CADIZ, OH 43907

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 30, 2036

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON OH
Property Address	38555 BOWER RD, SCIO, OH 43988-8760
Transaction Type	Mortgage
Record Updated	Mar 25, 2024
Title Company	ALBAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000277/578
Date	Nov 16, 2021
Book Page	277/578
Instrument	202100003526

Lender

Name	THE CITIZENS SAVINGS BANK
Type	Bank
Address	MARTINS FERRY, OH 43935

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Oct 30, 2036

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON OH
Property Address	38555 BOWER RD, SCIO, OH 43988-8760
Transaction Type	Mortgage
Record Updated	Mar 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000277/597
Date	Nov 16, 2021
Book Page	277/597
Instrument	202100003527

Lender

Name	THE CITIZENS SAVINGS BANK
Type	Bank
Address	MARTINS FERRY, OH 43935

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Oct 26, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 38555 Bower Rd was $2,010 with an additional exemption, up 0.1% from the year before.

Source: Harrison County assessment roll, as of August 1, 2025

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	$2,010.00 (+0.1%) Additional exemption filed	$51,600 (-) Land $9,170 Building $42,430
2024	$2,008.00 (+1.16%) Additional exemption filed	$51,600 (-) Land $9,170 Building $42,430
2023	$1,985.00 (+21.7%) Additional exemption filed	$51,600 (+25.82%) Land $9,170 Building $42,430	$147,430 Land $26,200 Building $121,230
2022	$1,631.00 Additional exemption filed	$41,010 Land $7,650 Building $33,360
2020			$117,170 Land $21,860 Building $95,310

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

Flood

FEMA maps place 38555 Bower Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire risk around 38555 Bower Rd is low, with 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 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

5G and 4G LTE (outdoors only)

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