42 S Gamble St, Shelby, OH 44875 Property Records

Richland County property record for 42 S Gamble St, Shelby, OH 44875

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 2,680 sqft · built 1900
Lot Size	0.184 acres (8,002 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Jun 2021)
Tax Bill	$1,814 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`046-08-109-17-000`

Property Details

APN / Parcel Number

Primary APN	`046-08-109-17-000`
Alternative APN	`03118`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,680 sqft Living Area
1st Floor Area	1,328 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum Siding
Lot Area	8,002 sqft (0.184 acres)
Lot Dimensions	160 ft deep x 50 ft wide
Terrain	Above Road/Slope
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	298 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	42 S GAMBLE ST
City	SHELBY
State	OH
Zip	44875-1542
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	1482 60 X
Jurisdiction	RICHLAND OH
Township / Civil Division	SHARON
Census Block Group	2
Census Block	2001
Census Tract	2500

Owner

Source: Richland County records, as of September 22, 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	42 S GAMBLE ST, SHELBY, OH 44875-1542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Jun 24, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2021 · Amount on Record
Deed Sale	Jun 7, 2021 · Amount on Record
Prior Sale	Aug 21, 2001 · Amount on Record
Deed Document Number	20217821
Deed Book / Page	2898 / 315
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND OH
Recording Date	Jun 7, 2021
Property Address	42 S GAMBLE ST, SHELBY, OH 44875-1542
Document Number	2898/315
Book / Page	2898 / 315
Instrument Date	Jun 3, 2021
Instrument	202100007821
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	SOUTHERN TITLE

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 S GAMBLE ST, SHELBY, OH 44875-1542

Mortgage

Document Number	202100007822
Date	Jun 7, 2021
Instrument	202100007822

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	42 S GAMBLE ST, SHELBY, OH 44875-1542
Transaction Type	Mortgage
Record Updated	Jul 1, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2794/778
Date	Jun 24, 2020
Book Page	2794/778
Instrument	202000007017

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Richland County
County Subdivision	Sharon Township
Municipality	Shelby City
Unified School District	Shelby City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,814.00	$48,720 (-) Land $4,420 Building $44,300
2024	$1,814.00 (-2.68%) Homeowner's exemption	$48,720 (-) Land $4,420 Building $44,300
2023	$1,864.00 (+10.1%) Homeowner's exemption	$48,720 (+22.88%) Land $4,420 Building $44,300	$139,220 (+22.9%) Land $12,640 Building $126,580
2022	$1,693.00 Homeowner's exemption	$39,650 Land $4,240 Building $35,410
2020			$113,280 Land $12,110 Building $101,170

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2007)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2007 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 2 claims

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 98% of the US · lower than 90% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SHELBY CITY serves 9,453 people · EPA ID OH7004511
Water Source	Surface water
Last State Inspection	Feb 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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