4197 Ganges Five Points Rd, Shelby, OH 44875 Property Records

Richland County property record for 4197 Ganges Five Points Rd, Shelby, OH 44875

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,995 sqft · built 1938
Lot Size	2.21 acres (96,398 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Apr 2026)
Tax Bill	$2,075 (2025)
Deeds & Mortgages	Jul 2014 Mortgage Jul 2005 Line of Credit + 10 more
Flood Zone	Zone X (minimal risk)
APN	`011-40-120-14-000`

Property Details

APN / Parcel Number

Primary APN	`011-40-120-14-000`
Alternative APN	`00037`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,995 sqft Living Area
1st Floor Area	576 sqft
Attic	Attic
Attic Area	240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2000
Architectural Style	Cape Cod
Exterior Material	Aluminum Siding
Lot Area	96,398 sqft (2.21 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,032 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	240 sqft
Patio Area	320 sqft
Shed	1 Shed
Shed Area	256 sqft
Poultry House	80 sqft
Pole Barn	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4197 GANGES FIVE POINTS RD
City	SHELBY
State	OH
Zip	44875-9369
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE A 2.2130 LT 1 PT
Legal Subdivision	FRANKLIN
Legal Lot Number	1
Jurisdiction	RICHLAND OH
Township / Civil Division	FRANKLIN
Census Block Group	5
Census Block	5021
Census Tract	2700

Owner

Source: Richland County records, as of July 20, 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	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2014	Deed of Trust, Mortgage · ARM MECHANICS BANK
Jul 1, 2005	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
May 22, 2015	Deed of Trust, Mortgage CONSERVATIVE MENNONITE FINANCIAL
Apr 8, 2016	Deed of Trust, Mortgage · Commercial Mortgage MECHANICS BANK
Apr 21, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Feb 11, 2019	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Feb 7, 2019	Quit Claim Deed, Transfer BARRISTER TITLE GROUP
Feb 7, 2019	Affidavit, Transfer BARRISTER TITLE GROUP
Feb 7, 2019	Quit Claim Deed, Transfer BARRISTER TITLE GROUP
Feb 7, 2019	Quit Claim Deed, Transfer BARRISTER TITLE GROUP
Feb 7, 2019	Quit Claim Deed, Transfer BARRISTER TITLE GROUP
Dec 27, 2006	Intrafamily Transfer, Transfer · ARM QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on Record
Deed Sale	Apr 21, 2026 · Amount on Record
Prior Sale	Feb 11, 2019 · Amount on Record
Deed Document Number	20264320
Deed Book / Page	3041 / 1339
Prior Transfer Date	Jan 28, 2019
Prior Transfer Doc	02679/0077
Record Updated	Sep 20, 2026

July 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02318/0286
Date	Jul 2, 2014
Book Page	2318/0286
Instrument	201400007477

Lender

Name	MECHANICS BANK
Type	Bank
Address	MANSFIELD, OH 44902

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2019
Change Frequency	Annually
Index	5-Year CMT
Margin	3

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01534/0363
Date	Jul 1, 2005
Book Page	1534/0363
Instrument	200500011718

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SAN FRANCISCO, CA 94104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jun 8, 2045

Interest

Change Frequency	Monthly

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02384/0325
Date	May 22, 2015
Book Page	2384/0325
Instrument	201500005501

Lender

Name	CONSERVATIVE MENNONITE FINANCIAL
Address	LEBANON, PA 17042

Agreement

Amount	Amount Recorded

April 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02450/0328
Date	Apr 8, 2016
Book Page	2450/0328
Instrument	201600003532

Lender

Name	MECHANICS BANK
Type	Bank
Address	MANSFIELD, OH 44902

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 5, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND OH
Recording Date	Apr 21, 2026
Property Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Document Number	0000004320
Book / Page	3041 / 1339
Instrument Date	Apr 14, 2026
Instrument	2026.4320
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	OHIO REAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$131,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369

Mortgage

Document Number	0000004321,
Date	Apr 21, 2026
Instrument	2026..4321

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND OH
Recording Date	Feb 11, 2019
Property Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Document Number	02679/0577
Book / Page	2679 / 0577
Map Reference	VOL 765 PG 473
Instrument Date	Feb 8, 2019
Instrument	201900001395
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BARRISTER TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	6850 MILLER RD, BRECKSVILLE, OH 44141-3222
Mail Care Of	CROSS COUNTRY MTG
Investor	Possibly a Property Investor

Mortgage

Document Number	201900001396
Date	Feb 11, 2019
Instrument	201900001396

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RICHLAND OH
Recording Date	Feb 7, 2019
Property Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Document Number	02679/0071
Book / Page	2679 / 0071
Map Reference	VOL 765 PG 473
Instrument Date	Jan 30, 2019
Instrument	201900001268
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BARRISTER TITLE GROUP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369

February 2019: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	RICHLAND OH
Recording Date	Feb 7, 2019
Property Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Document Number	02679/0063
Book / Page	2679 / 0063
Map Reference	VOL 765 PG 473
Instrument Date	Jan 30, 2019
Instrument	201900001266
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BARRISTER TITLE GROUP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	PO BOX 6502, SPRINGFIELD, OH 45501-6502

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RICHLAND OH
Recording Date	Feb 7, 2019
Property Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Document Number	02679/0077
Book / Page	2679 / 0077
Map Reference	VOL 765 PG 473
Instrument Date	Jan 28, 2019
Instrument	201900001270
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BARRISTER TITLE GROUP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RICHLAND OH
Recording Date	Feb 7, 2019
Property Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Document Number	02679/0074
Book / Page	2679 / 0074
Map Reference	VOL 765 PG 473
Instrument Date	Jan 26, 2019
Instrument	201900001269
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BARRISTER TITLE GROUP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RICHLAND OH
Recording Date	Feb 7, 2019
Property Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Document Number	02679/0068
Book / Page	2679 / 0068
Map Reference	VOL 765 PG 573
Instrument Date	Jan 5, 2019
Instrument	201900001267
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BARRISTER TITLE GROUP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369

December 2006: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RICHLAND OH
Recording Date	Dec 27, 2006
Property Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369
Document Number	01719/0574
Book / Page	1719 / 0574
Map Reference	MB765 PG473
Instrument Date	Dec 8, 2006
Instrument	200600022300
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	TITLE SOURCES INC, TITLE SOURCE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4197 GANGES FIVE POINTS RD, SHELBY, OH 44875-9369

Mortgage

Document Number	200600022301
Date	Dec 27, 2006
Instrument	200600022301

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	2.25%
Max Rate At Change	11.6%
Index	6-Month LIBOR

Tax Assessment & Valuation

Source: Richland County assessment roll, as of April 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Richland County
County Subdivision	Franklin Township
Unified School District	Crestview Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,075.00 (+0.05%)	$56,900 (-) Land $11,270 Building $45,630
2024	$2,074.00 (+3.18%) Homeowner's exemption	$56,900 (-) Land $11,270 Building $45,630
2023	$2,010.00 (+0.35%) Homeowner's exemption	$56,900 (+13.96%) Land $11,270 Building $45,630	$162,580 (+13.98%) Land $32,210 Building $130,370
2022	$2,003.00 Homeowner's exemption	$49,930 Land $10,610 Building $39,320
2020			$142,640 Land $30,300 Building $112,340

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · 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 Claims	2 (2007–2011)
Most Recent Claim	Feb 2011 · river or lake flooding

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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