3897 Morningside Cir, Springfield, OH 45502 Property Records

Clark County property record for 3897 Morningside Cir, Springfield, OH 45502

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,404 sqft · built 1998
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on Record
Last Sale	$59,000 (Jul 2025)
Tax Bill	$4,189 (2024)
Deeds & Mortgages	Aug 2025 Line of Credit Jul 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`220-03-00016-211-012`

Property Details

APN / Parcel Number

Primary APN	`220-03-00016-211-012`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,404 sqft Living Area
1st Floor Area	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	52,272 sqft (1.2 acres)
Terrain	Rolling
Garage Area	820 sqft
Porch	Porch
Porch Area	721 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3897 MORNINGSIDE CIR
City	SPRINGFIELD
State	OH
Zip	45502-7878
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	WINDY RIDGE SUBD; 22
Legal Subdivision	WINDY RIDGE SUBD
Legal Block	211
Legal Lot Number	22
Jurisdiction	CLARK OH
Township / Civil Division	MOOREFIELD
Census Block Group	1
Census Block	1033
Census Tract	2605

Owner

Source: Clark County records, as of March 5, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3897 MORNINGSIDE CIR, SPRINGFIELD, OH 45502-7878
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jul 2, 2025	Survivorship Deed, Transfer · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC
Dec 22, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Oct 7, 2019	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2025 · Amount on Record
Deed Sale	Jul 2, 2025 · Amount on Record
Prior Sale	Oct 7, 2019 · Amount on Record
Deed Document Number	202500008305
Deed Book / Page	2254 / 1773
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARK OH
Property Address	3897 MORNINGSIDE CIR, SPRINGFIELD, OH 45502-7878
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3897 MORNINGSIDE CIR, SPRINGFIELD, OH 45502-7878

Mortgage

Document Number	0000010362
Date	Aug 13, 2025
Book Page	2256/1161
Instrument	202500010362

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Sep 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CLARK OH
Recording Date	Jul 2, 2025
Property Address	3897 MORNINGSIDE CIR, SPRINGFIELD, OH 45502-7878
Document Number	0000008305
Book / Page	2254 / 1773
Instrument Date	Jun 26, 2025
Instrument	202500008305
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3897 MORNINGSIDE CIR, SPRINGFIELD, OH 45502-7878

Mortgage

Document Number	0000008306
Date	Jul 2, 2025
Book Page	2254/1775
Instrument	202500008306

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jul 1, 2028

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARK OH
Property Address	3897 MORNINGSIDE CIR, SPRINGFIELD, OH 45502-7878
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TEAM TTL & CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018877
Date	Dec 22, 2020
Book Page	2183/280
Instrument	202000018877

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLARK OH
Recording Date	Oct 7, 2019
Property Address	3897 MORNINGSIDE CIR, SPRINGFIELD, OH 45502-7878
Document Number	0000012978
Book / Page	002162 / 004900
Instrument Date	Sep 30, 2019
Instrument	12978
Transaction Type	Transfer
Record Updated	Oct 17, 2019
Title Company	TEAM TITLE AND CLOSING SERVICES, TEAM TITLE & CLOSING SVC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,059.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3897 MORNINGSIDE CIR SPRINGFIELD OH 455027878, SPRINGFIELD, OH 45502-7878

Mortgage

Document Number	12979
Date	Oct 7, 2019
Book Page	002162/004902
Instrument	12979

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2049

Tax Assessment & Valuation

Source: Clark County assessment roll, as of August 8, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Clark County
County Subdivision	Moorefield Township
Unified School District	Northeastern Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$122,190 (+30.34%) Land $21,090 Building $101,100	$349,140 (+30.35%) Land $60,270 Building $288,870
2024	$4,189.00 (+2.95%)
2023		$93,750 Land $22,420 Building $71,330
2022	$4,069.00		$267,850 Land $64,050 Building $203,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 17, 2010 · 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 Policies	5 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	May 2020 · river or lake 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 68% of Ohio
Wildfire Likelihood	Under 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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