4078 Apple Valley Dr, Howard, OH 43028 Property Records

Knox County property record for 4078 Apple Valley Dr, Howard, OH 43028

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,080 sqft · built 2021
Lot Size	0.396 acres (17,250 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Mar 2004)
Tax Bill	$7,844 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit Dec 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-00088.000`

Property Details

APN / Parcel Number

Primary APN	`34-00088.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,080 sqft Living Area
1st Floor Area	2,080 sqft
Basement Area	2,080 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Vinyl
Lot Area	17,250 sqft (0.396 acres)
Lot Dimensions	270 ft deep x 64 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas

Location & Zoning

Street Address	4078 APPLE VALLEY DR
City	HOWARD
State	OH
Zip	43028-9323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLSIDE MANOR LOT #88
Legal Lot Number	88
Jurisdiction	KNOX OH
Township / Civil Division	HOWARD
Census Block Group	1
Census Block	1058
Census Tract	6801

Owner

Source: Knox County records, as of July 28, 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	4078 APPLE VALLEY DR, HOWARD, OH 43028-9323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Deed of Trust, Construction Loan · Line of Credit SSB CMNTY BK
Dec 15, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 18, 2018	Deed of Trust, Mortgage · Line of Credit SSB CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2004 · Amount on Record
Deed Sale	Mar 18, 2004 · Amount on Record
Last Transfer Date	Dec 14, 2020
Transfer Doc	0000011263
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	KNOX OH
Recording Date	Dec 18, 2020
Property Address	4078 APPLE VALLEY DR, HOWARD, OH 43028-9323
Document Number	0018230148
Book / Page	001823 / 000148
Instrument Date	Dec 17, 2020
Instrument	11363
Transaction Type	Construction Loan
Record Updated	Jan 28, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4078 APPLE VALLEY DR HOWARD OH 43028, HOWARD, OH 43028

Mortgage

Document Number	18230148
Date	Dec 18, 2020
Book Page	001823/000148
Instrument	11363

Lender

Name	SSB CMNTY BK
Type	Bank
Address	STRASBURG, OH 44680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Dec 17, 2022

Interest

Rate Type	Adjustable Rate

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KNOX OH
Recording Date	Dec 15, 2020
Property Address	4078 APPLE VALLEY DR, HOWARD, OH 43028-9323
Document Number	0018220349
Book / Page	001822 / 000349
Instrument Date	Dec 14, 2020
Instrument	11263
Transaction Type	Transfer
Record Updated	Jan 20, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5101 MCLARNAN RD GAMBIER OH 430229759, GAMBIER, OH 43022-9759

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX OH
Property Address	4078 APPLE VALLEY DR, HOWARD, OH 43028-9323
Document Number	0016890270
Instrument Date	Sep 18, 2018
Transaction Type	Mortgage
Record Updated	Oct 4, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5101 MCLARNAN RD GAMBIER OH 430229759, GAMBIER, OH 43022-9759

Mortgage

Document Number	0016890270
Date	Sep 18, 2018
Book Page	001689/000270
Instrument	7694

Lender

Name	SSB CMNTY BK
Type	Bank
Address	STRASBURG, OH 44680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 17, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Knox County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Knox County
County Subdivision	Howard Township
Unified School District	East Knox Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$582,180 (-) Land $43,060 Building $539,120
2025	$7,844.00 (-5.68%)	$203,760 (-) Land $15,070 Building $188,690
2024	$8,316.00 (+0.34%)	$203,760 (-) Land $15,070 Building $188,690
2023	$8,288.00 (+52.41%)	$203,760 (+77.23%) Land $15,070 Building $188,690	$582,180 (+77.23%) Land $43,060 Building $539,120
2022	$5,438.00	$114,970 Land $10,920 Building $104,050
2020			$328,490 Land $31,200 Building $297,290

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 July 7, 2009

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% 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	KNOX COUNTY WATER AND WASTEWATER PWS private · serves 8,250 people · EPA ID OH4202012
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	2 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	2 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 71 locations within half a mile, as of December 31, 2025

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

May also be available: Mercury Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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