405 Hearthstone Dr, Delaware, OH 43015 Property Records

Delaware County property record for 405 Hearthstone Dr, Delaware, OH 43015

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,784 sqft · built 1993
Lot Size	0.273 acres (11,874 sqft)
Owner	Company Name on File
Last Sale	$305,000 (Dec 2022)
Tax Bill	$4,843 (2025)
Deeds & Mortgages	Dec 2022 Sale Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`519-343-09-013-000`

Property Details

APN / Parcel Number

Primary APN	`519-343-09-013-000`
Alternative APN	`147458.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,784 sqft Living Area
Gross Area	2,825 sqft
1st Floor Area	854 sqft
Upper Floors Area	930 sqft
Basement Area	641 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Brick/Stone
Lot Area	11,874 sqft (0.273 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	256 sqft
Patio Area	256 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	405 HEARTHSTONE DR
City	DELAWARE
State	OH
Zip	43015-4232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5583 SUNNYVIEW FARMS SEC 7
Legal Subdivision	SUNNYVIEW FARMS SEC 7
Legal Lot Number	5583
Jurisdiction	DELAWARE OH
Township / Civil Division	DELAWARE CITY
Census Block Group	1
Census Block	1000
Census Tract	10520

Owner

405 Hearthstone Dr is owned by a company that bought it in December 2022.

Source: Delaware County records, as of May 27, 2026

Owner of Record	Company Name on File
Mailing Address	7500 N DOBSON RD, 300, SCOTTSDALE, AZ 85256-2727
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Warranty Deed, Transfer OS NATIONAL LLC, OS NATIONAL
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Apr 22, 2019	Deed of Trust, Mortgage · FHA Mortgage LOWER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2022 · Amount on File
Deed Sale	Dec 20, 2022 · Amount on File
Prior Sale	Jul 7, 2015 · Amount on File
Deed Document Number	202236025
Deed Book / Page	2008 / 2126
Prior Transfer Date	Jan 19, 2020
Prior Transfer Doc	0000005321
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OH
Recording Date	Dec 20, 2022
Property Address	405 HEARTHSTONE DR, DELAWARE, OH 43015-4232
Document Number	0000036025
Book / Page	2008 / 2126
Map Reference	CAB 1 PG 7&8
Instrument Date	Nov 8, 2022
Instrument	202200036025
Transaction Type	Transfer
Record Updated	Jan 2, 2023
Title Company	OS NATIONAL LLC, OS NATIONAL

Transaction

Amount	Amount 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
Address	7500 N DOBSON RD STE 300, 300, SCOTTSDALE, AZ 85256-2727
Investor	Possibly a Property Investor

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	405 HEARTHSTONE DR, DELAWARE, OH 43015-4232
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012657
Date	Apr 21, 2020
Book Page	1718/557
Instrument	202000012657

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	405 HEARTHSTONE DR, DELAWARE, OH 43015-4232
Document Number	0000010098
Instrument Date	Apr 22, 2019
Transaction Type	Mortgage
Record Updated	May 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 HEARTHSTONE DR DELAWARE OH 430154232, DELAWARE, OH 43015-4232

Mortgage

Document Number	0000010098
Date	Apr 30, 2019
Book Page	001632/001958
Instrument	10098

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 405 Hearthstone Dr was $4,843, up 5.1% from the year before.

Source: Delaware County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Delaware County
Municipality	Delaware City
Unified School District	Delaware City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,843.00 (+5.15%)	$95,210 (-) Land $21,530 Building $73,680	$272,000 Land $61,500 Building $210,500
2024	$4,606.00 (-0.2%)	$95,210 (-) Land $21,530 Building $73,680
2023	$4,615.00	$95,210 Land $21,530 Building $73,680	$272,000 Land $61,500 Building $210,500

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

FEMA maps place 405 Hearthstone Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective June 3, 2026 · 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	2 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2016 · rainfall accumulation

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 405 Hearthstone Dr is low, with less than 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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	DELAWARE CITY PWS serves 43,895 people · EPA ID OH2100311
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 567 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Breezeline Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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