Shelby County property record for 406 Charles Ave, Sidney, OH 45365
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,556 sqft · built 1966 |
| Lot Size | 0.316 acres (13,778 sqft) |
| Owner | Individual Name on File |
| Last Sale | $77,500 (Jan 2014) |
| Tax Bill | $2,203 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Oct 2018 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-1835278.005 |
| Primary APN | 01-1835278.005 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,556 sqft Living Area |
| 1st Floor Area | 1,837 sqft |
| Basement Area | 1,438 sqft |
| Finished Basement | 1,438 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Construction Type | Brick |
| Roof Material | Shingle |
| Lot Area | 13,778 sqft (0.316 acres) |
| Lot Dimensions | 166 ft deep x 83 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 471 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 406 CHARLES AVE |
|---|---|
| City | SIDNEY |
| State | OH |
| Zip | 45365-2516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3442 WHOLE - EMERSON SUB 020-18-35-278-005 |
| Legal Subdivision | EMERSON SUBDIVISION |
| Legal Lot Number | 3442 |
| Jurisdiction | SHELBY OH |
| Township / Civil Division | CLINTON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 971900 |
406 Charles Ave is owned and occupied by an individual who acquired it in September 2023.
Source: Shelby County records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 406 CHARLES AVE, SIDNEY, OH 45365-2516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MINSTER BANK |
| Oct 9, 2018 | Deed of Trust, Mortgage · Line of Credit UNIVERSAL 1 CU |
| Mar 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL 1 CU |
| Sep 14, 2023 | Affidavit, Transfer |
| Apr 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MINSTER BANK |
| Oct 9, 2018 | Deed of Trust, Mortgage · Line of Credit UNIVERSAL 1 CU |
| Mar 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL 1 CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 21, 2014 · Amount on File |
| Deed Sale | Jan 21, 2014 · Amount on File |
| Prior Sale | Oct 6, 1993 |
| Deed Document Number | 2014233 |
| Deed Book / Page | 1941 / 97 |
| Last Transfer Date | Sep 13, 2023 |
| Transfer Doc | 02316/2922 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 406 CHARLES AVE, SIDNEY, OH 45365-2516 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002283/748 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 2283/748 |
| Instrument | 202100002882 |
| Name | MINSTER BANK |
|---|---|
| Type | Bank |
| Address | MINSTER, OH 45865 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 406 CHARLES AVE, SIDNEY, OH 45365-2516 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002145/386 |
|---|---|
| Date | Oct 9, 2018 |
| Book Page | 2145/386 |
| Instrument | 201800005067 |
| Name | UNIVERSAL 1 CU |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45409 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 8, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 406 CHARLES AVE, SIDNEY, OH 45365-2516 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Title Company | HALLMARK TITLE, HALLMARK TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 002076/001 |
|---|---|
| Date | Mar 15, 2017 |
| Book Page | 2076/001 |
| Instrument | 201700001473 |
| Name | UNIVERSAL 1 CU |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45409 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2032 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | SHELBY OH |
| Recording Date | Sep 14, 2023 |
| Property Address | 406 CHARLES AVE, SIDNEY, OH 45365-2516 |
| Document Number | 02316/2922 |
| Book / Page | 2316 / 2922 |
| Map Reference | VOL 5 PG 91 |
| Instrument Date | Sep 13, 2023 |
| Instrument | 202304122 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 CHARLES AVE, SIDNEY, OH 45365-2516 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 406 CHARLES AVE, SIDNEY, OH 45365-2516 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2283/748 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 2283/748 |
| Instrument | 202100002882 |
| Name | MINSTER BANK |
|---|---|
| Type | Bank |
| Address | MINSTER, OH 45865 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 406 CHARLES AVE, SIDNEY, OH 45365-2516 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2018 |
| Name | Verified Name |
|---|
| Document Number | 2145/386 |
|---|---|
| Date | Oct 9, 2018 |
| Book Page | 2145/386 |
| Instrument | 201800005067 |
| Name | UNIVERSAL 1 CU |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45409 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 8, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY OH |
| Property Address | 406 CHARLES AVE, SIDNEY, OH 45365-2516 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 201700001473 |
|---|---|
| Date | Mar 15, 2017 |
| Book Page | 2076/001 |
| Instrument | 201700001473 |
| Name | UNIVERSAL 1 CU |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45409 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2032 |
The 2025 property tax bill for 406 Charles Ave was $2,203 with a homeowner's exemption, down 6% from the year before.
Source: Shelby County assessment roll, as of March 24, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Shelby County |
| County Subdivision | Clinton Township |
| Municipality | Sidney City |
| Unified School District | Sidney City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,203.00 (-6.02%) | $67,850 (-0.8%) Land $13,030 Building $54,820 | |
| 2024 | $2,344.00 (-7.83%) Homeowner's exemption | $68,400 (-) Land $13,030 Building $55,370 | |
| 2023 | $2,543.00 (+19.28%) Homeowner's exemption | $68,400 (+36.31%) Land $13,030 Building $55,370 | $193,860 Land $37,230 Building $156,630 |
| 2022 | $2,132.00 Homeowner's exemption | $50,180 Land $11,710 Building $38,470 | |
| 2020 | $143,360 Land $33,450 Building $109,910 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Charles Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 21, 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.
Wildfire risk around 406 Charles Ave 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SIDNEY CITY PWS serves 20,614 people · EPA ID OH7501214 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2024 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 487 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| NKTELCO - Goldstar Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures