428 Rutherford Ave, Delaware, OH 43015 Property Records

Delaware County property record for 428 Rutherford Ave, Delaware, OH 43015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,461 sqft · built 1988
Lot Size	0.181 acres (7,866 sqft)
Owner	2 Individual Names on File
Last Sale	$95,000 (May 1992)
Tax Bill	$4,173 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`519-311-02-009-000`

Property Details

APN / Parcel Number

Primary APN	`519-311-02-009-000`
Alternative APN	`147119.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,461 sqft Living Area
Gross Area	2,344 sqft
1st Floor Area	681 sqft
Upper Floors Area	780 sqft
Basement Area	505 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,866 sqft (0.181 acres)
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	234 sqft
Deck Area	192 sqft
Patio Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	428 RUTHERFORD AVE
City	DELAWARE
State	OH
Zip	43015-1130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5356 SHELBOURNE FOREST
Legal Subdivision	SHELBOURNE FOREST
Legal Lot Number	5356
Jurisdiction	DELAWARE OH
Township / Civil Division	DELAWARE CITY
Census Block Group	2
Census Block	2007
Census Tract	10420

Owner

428 Rutherford Ave is owned and occupied by two individuals who bought it in May 1992.

Source: Delaware County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	428 RUTHERFORD AVE, DELAWARE, OH 43015-1130
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	2 Names on Deed
Last Sale	May 6, 1992 · Amount on File
Deed Sale	May 6, 1992 · Amount on File
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	428 RUTHERFORD AVE, DELAWARE, OH 43015-1130
Transaction Type	Mortgage
Record Updated	Oct 5, 2022
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028518
Date	Sep 26, 2022
Book Page	1993/1420
Instrument	202200028518

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 428 Rutherford Ave was $4,173, up 5.4% from the year before.

Source: Delaware County assessment roll, as of May 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,173.00 (+5.35%)	$83,900 (-) Land $19,600 Building $64,300	$239,700 Land $56,000 Building $183,700
2024	$3,961.00 (-0.18%) Homeowner's exemption	$83,900 (-) Land $19,600 Building $64,300
2023	$3,968.00 Homeowner's exemption	$83,900 Land $19,600 Building $64,300	$239,700 Land $56,000 Building $183,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 428 Rutherford Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective June 3, 2026 · 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 Policies	3 in force
Nearby Flood Claims	2 (2016–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2017 · rainfall accumulation

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

Wildfire risk around 428 Rutherford 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 97% of the US · lower than 85% 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	DELAWARE CITY PWS serves 43,895 people · EPA ID OH2100311
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 392 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20