415 S Stephen St, Oregon, OH 43616 Property Records

Lucas County property record for 415 S Stephen St, Oregon, OH 43616

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,762 sqft · built 1950
Lot Size	0.247 acres (10,800 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Mar 2018)
Tax Bill	$2,647 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-59134`

Property Details

APN / Parcel Number

Primary APN	`44-59134`
Alternative APN	`24225030`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,762 sqft Living Area
1st Floor Area	1,203 sqft
Attic	Attic
Attic Area	1,118 sqft

Exterior

Year Built	Built 1950
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	10,800 sqft (0.247 acres)
Lot Dimensions	135 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	96 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	415 S STEPHEN ST
City	OREGON
State	OH
Zip	43616-2920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	40-R2
Legal Description	EASTHIGHLAND LOT 43 & 44
Legal Subdivision	EASTHIGHLAND
Legal Lot Number	43-44 44
Jurisdiction	LUCAS OH
Township / Civil Division	OREGON
Census Block Group	1
Census Block	1003
Census Tract	10002

Owner

415 S Stephen St is owned and occupied by an individual who bought it in March 2018.

Source: Lucas County records, as of February 16, 2026

Owner of Record	Individual Name on File
Mailing Address	415 S STEPHEN ST, OREGON, OH 43616-2920
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2018 · Amount on File
Deed Sale	Mar 1, 2018 · Amount on File
Prior Sale	Dec 26, 2007 · Amount on File
Deed Document Number	18101233
Record Updated	Jun 8, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUCAS OH
Recording Date	Mar 1, 2018
Property Address	415 S STEPHEN ST, OREGON, OH 43616-2920
Document Number	0000008229
Instrument Date	Feb 27, 2018
Instrument	8229
Transaction Type	Transfer
Record Updated	Mar 19, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 S STEPHEN ST DAVID KY 41616, DAVID, KY 41616

Mortgage

Document Number	8230
Date	Mar 1, 2018
Instrument	8230

Lender

Name	CREDIT UNION MEMBERS MTG
Type	Credit Union
Address	ADDISON, TX 75001

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 415 S Stephen St was $2,647, up 8.4% from the year before.

Source: Lucas County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,647.00 (+8.44%)	$52,395 (-) Land $13,580 Building $38,815
2024	$2,441.00 (+8.49%)	$52,395 (+32.83%) Land $13,580 Building $38,815	$149,700 Land $38,800 Building $110,900
2023	$2,250.00 (-0.66%)	$39,445 (-) Land $12,565 Building $26,880
2022	$2,265.00 Homeowner's exemption	$39,445 Land $12,565 Building $26,880
2021			$112,700 Land $35,900 Building $76,800

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 415 S Stephen St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 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

The area around 415 S Stephen St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	OREGON CITY serves 19,950 people · EPA ID OH4800911
Water Source	Surface water
Last State Inspection	May 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	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 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Buckeye Cablesystem Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Amplex Wireless Fixed Wireless	100 / 20