Franklin County property record for 405 Ruffin Dr, Galloway, OH 43119
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,252 sqft · built 2002 |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $329,900 (Aug 2026) |
| Tax Bill | $3,212 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jun 2026 Construction Loan + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 570-260838 |
| Primary APN | 570-260838 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,252 sqft Living Area |
| 1st Floor Area | 1,205 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Lot Area | 5,750 sqft (0.132 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 405 RUFFIN DR |
|---|---|
| City | GALLOWAY |
| State | OH |
| Zip | 43119-8288 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUFFIN DRIVE GALLOWAY RIDGE SECTION 5 PART 2 LOT 477 |
| Legal Subdivision | GALLOWAY RIDGE SEC 5 PT 2 |
| Legal Lot Number | 477 |
| Jurisdiction | FRANKLIN OH |
| Township / Civil Division | COLUMBUS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 8166 |
Source: Franklin County records, as of September 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2160 SEPEER AVE, CLEVELAND, OH 44114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2026 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Jun 24, 2026 | Deed of Trust, Mortgage · Construction Mortgage PLAINS COMMERCE BANK |
| Dec 19, 2022 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| May 11, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Jun 13, 2017 | Warranty Deed, Transfer · Conventional Mortgage RAPID MORTGAGE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2026 · Amount on Record |
| Deed Sale | Aug 26, 2026 · Amount on Record |
| Prior Sale | Dec 19, 2022 · Amount on Record |
| Deed Document Number | 2026104220 |
| Prior Transfer Date | Apr 17, 2020 |
| Prior Transfer Doc | 0000063742 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Recording Date | Aug 26, 2026 |
| Property Address | 405 RUFFIN DR, GALLOWAY, OH 43119-8288 |
| Document Number | 0000104220 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 2026104220 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | VALMER LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $33,319.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000104221, |
|---|---|
| Date | Aug 26, 2026 |
| Instrument | 2026104221 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Recording Date | Jun 24, 2026 |
| Property Address | 405 RUFFIN DR, GALLOWAY, OH 43119-8288 |
| Document Number | 0000075274 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 202675274 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 405 RUFFIN DR, GALLOWAY, OH 43119-8288 |
| Document Number | 0000075274, |
|---|---|
| Date | Jun 24, 2026 |
| Instrument | 202675274 |
| Name | PLAINS COMMERCE BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 7 Months |
| Due | Jan 1, 2027 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Recording Date | Dec 19, 2022 |
| Property Address | 405 RUFFIN DR, GALLOWAY, OH 43119-8288 |
| Document Number | 0000169970 |
| Map Reference | MB 99 PG 27&28 |
| Instrument Date | Dec 14, 2022 |
| Instrument | 202212190169970 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $278.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | PO BOX 650530, DALLAS, TX 75265-0530 |
| Document Number | 0000169971 |
|---|---|
| Date | Dec 19, 2022 |
| Instrument | 202212190169971 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Recording Date | May 11, 2020 |
| Property Address | 405 RUFFIN DR, GALLOWAY, OH 43119-8288 |
| Document Number | 0000063742 |
| Map Reference | MB 99 PG 27&28 |
| Instrument Date | Apr 17, 2020 |
| Instrument | 202005110063742 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2022 |
| Title Company | MONARCH TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 8534 E KEMPER RD, CINCINNATI, OH 45249-3701 |
| Document Number | 0000063743 |
|---|---|
| Date | May 11, 2020 |
| Instrument | 202005110063743 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Recording Date | Jun 13, 2017 |
| Property Address | 405 RUFFIN DR, GALLOWAY, OH 43119-8288 |
| Document Number | 0000079909 |
| Map Reference | MB99 PG27&28 |
| Instrument Date | Jun 7, 2017 |
| Instrument | 201706130079909 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2022 |
| Title Company | TITLE FIRST AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $320.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Document Number | 0000079910 |
|---|---|
| Date | Jun 13, 2017 |
| Instrument | 201706130079910 |
| Name | RAPID MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
Source: Franklin County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Franklin County |
| Municipality | Columbus City |
| Unified School District | South-Western City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,212.00 (-0.06%) | $88,170 (-) Land $27,020 Building $61,150 | $251,900 (-) Land $77,200 Building $174,700 |
| 2024 | $3,214.00 (+1.81%) Homeowner's exemption | $88,170 (-) Land $27,020 Building $61,150 | |
| 2023 | $3,157.00 (+19.49%) Homeowner's exemption | $88,170 (+62.83%) Land $27,020 Building $61,150 | $251,900 (+62.83%) Land $77,200 Building $174,700 |
| 2022 | $2,642.00 Homeowner's exemption | $54,150 Land $9,070 Building $45,080 | |
| 2020 | $154,700 Land $25,900 Building $128,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective June 4, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COLUMBUS PUBLIC WATER SYSTEM serves 1,309,468 people · EPA ID OH2504412 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2022 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 542 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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