403 Lorwood Dr E, Shelby, OH 44875 Property Records

Richland County property record for 403 Lorwood Dr E, Shelby, OH 44875

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,234 sqft · built 1965
Lot Size	0.713 acres (31,058 sqft)
Owner	Individual Name on Record
Last Sale	$197,000 (Jul 2019)
Tax Bill	$2,815 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jul 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`046-08-052-17-000`

Property Details

APN / Parcel Number

Primary APN	`046-08-052-17-000`
Alternative APN	`02106`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,234 sqft Living Area
1st Floor Area	936 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Aluminum Siding
Lot Area	31,058 sqft (0.713 acres)
Lot Dimensions	293 ft deep x 106 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	352 sqft
Patio Area	432 sqft
Shed	1 Shed
Shed Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	403 LORWOOD DR E
City	SHELBY
State	OH
Zip	44875-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3594 106.18 X 290 X
Legal Subdivision	BURDGE ALLOTMENT #1
Jurisdiction	RICHLAND OH
Township / Civil Division	SHARON
Census Block Group	2
Census Block	2017
Census Tract	2500

Owner

Source: Richland County records, as of July 20, 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
Mailing Address	403 LORWOOD DR E, SHELBY, OH 44875-1714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Line of Credit DIRECTIONS CREDIT UNION
Jul 29, 2019	Survivorship Deed, Transfer · Line of Credit MECHANICS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2019 · Amount on Record
Deed Sale	Jul 29, 2019 · Amount on Record
Deed Document Number	20198285
Deed Book / Page	2716 / 442
Prior Transfer Date	Sep 30, 2014
Prior Transfer Doc	02341/0078
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Recording Date	May 22, 2026
Property Address	403 LORWOOD DR E, SHELBY, OH 44875-1714
Document Number	0000005830
Book / Page	3042 / 4835
Instrument Date	May 18, 2026
Instrument	20265830
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 LORWOOD DR E, SHELBY, OH 44875-1714

Mortgage

Document Number	0000005830,
Date	May 22, 2026
Book Page	3042/4835
Instrument	20265830

Lender

Name	DIRECTIONS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 28, 2036

Interest

Rate	6.3%
Max Rate	-1%

July 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	RICHLAND OH
Recording Date	Jul 29, 2019
Property Address	403 LORWOOD DR E, SHELBY, OH 44875-1714
Document Number	02716/0442
Book / Page	2716 / 0442
Map Reference	VOL 21 PG 74
Instrument Date	Jul 25, 2019
Instrument	201900008285
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE AGENCY

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
Address	403 LONNOOD DRIVE, SHELBY, OH 44875

Mortgage

Document Number	201900008286
Date	Jul 29, 2019
Instrument	201900008286

Lender

Name	MECHANICS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	261 Months
Due	Apr 18, 2041

Tax Assessment & Valuation

Source: Richland County assessment roll, as of April 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Richland County
County Subdivision	Sharon Township
Municipality	Shelby City
Unified School District	Shelby City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,815.00	$75,600 (-) Land $10,990 Building $64,610
2024	$2,815.00 (-2.7%) Homeowner's exemption	$75,600 (-) Land $10,990 Building $64,610
2023	$2,893.00 (+5.62%) Homeowner's exemption	$75,600 (+17.89%) Land $10,990 Building $64,610	$216,020 (+17.91%) Land $31,410 Building $184,610
2022	$2,739.00 Homeowner's exemption	$64,130 Land $10,630 Building $53,500
2020			$183,210 Land $30,360 Building $152,850

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 March 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2007)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2007 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 2 claims

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 94% of the US · lower than 74% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SHELBY CITY serves 9,453 people · EPA ID OH7004511
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon, Watch TV.

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