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432 Mount Joy St, Springfield, OH 45505 Property Records

Clark County property record for 432 Mount Joy St, Springfield, OH 45505

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 816 sqft · built 1952
Lot Size0.151 acres (6,599 sqft)
OwnerCompany Name on File
Last Sale$1,802,000 (Dec 2024)
Tax Bill$1,168 (2024)
Deeds & MortgagesNov 2018 Mortgage
Oct 2017 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN340-07-00022-208-031

Property Details

APN / Parcel Number

Primary APN340-07-00022-208-031

Interior

Bedrooms3 Beds
Full Baths1 Bath
Plumbing Fixtures5 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area816 sqft Living Area
1st Floor Area816 sqft

Exterior

Year BuiltBuilt 1952
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Foundation TypeRaised
Lot Area6,599 sqft (0.151 acres)
Lot Dimensions132 ft deep x 50 ft wide
Garage TypeDetached
Garage Area360 sqft
PorchPorch
Porch Area36 sqft
Canopy36 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address432 MOUNT JOY ST
CitySPRINGFIELD
StateOH
Zip45505-2851
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAYNES 3RD ADD ALL; 13782
Legal SubdivisionLAYNES 3RD ADD
Legal Block208
Legal Lot Number13782
JurisdictionCLARK OH
Township / Civil DivisionSPRINGFIELD
Census Block Group2
Census Block2004
Census Tract1400

Owner

432 Mount Joy St is owned by a company that bought it in December 2024.

Source: Clark County records, as of January 8, 2026

Owner of RecordCompany Name on File
Mailing Address3500 PARK CENTER DR STE 100, 100, DAYTON, OH 45414-2680
Owner TypeCompany

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

DateDocument
Nov 15, 2018Trustee's Deed, Transfer
KEYBANK USA
Oct 16, 2017Grant Deed, Mortgage · Line of Credit
MISCELLANEOUS INS CO
Sep 11, 2017Warranty Deed, Transfer
STONEBRIDGE LAND TITLE AGENCY IN, STONEBRIDGE LAND TITLE AGCY IN

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 12, 2024 · Amount on File
Deed SaleDec 12, 2024 · Amount on File
Prior SaleNov 15, 2018
Deed Document Number202400015663
Deed Book / Page2246 / 640
Record UpdatedJun 8, 2026

November 2018: Trustee's Deed, Transfer

Document TypeTrustee's Deed
JurisdictionCLARK OH
Recording DateNov 15, 2018
Property Address432 MOUNT JOY ST, SPRINGFIELD, OH 45505-2851
Document Number0000015569
Book / Page002151 / 001783
Instrument DateNov 1, 2018
Instrument15569
Transaction TypeTransfer
Record UpdatedNov 30, 2018
Title CompanyOS NATIONAL LLC, OS NAT'L LLC

Transaction

Tax$0.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address432 MOUNT JOY ST SPRINGFIELD OH 455052851, SPRINGFIELD, OH 45505-2851

Mortgage

Document Number15570
DateNov 15, 2018
Book Page002151/001807
Instrument15570
Lender
NameKEYBANK USA
TypeBank
Address11501 OUTLOOK ST # 300, OVERLAND PARK, KS 66211-1807
Agreement
AmountAmount on Record
Term84 Months
DueNov 14, 2025

October 2017: Grant Deed, Mortgage

Document TypeGrant Deed
JurisdictionCLARK OH
Recording DateOct 16, 2017
Property Address432 MOUNT JOY ST, SPRINGFIELD, OH 45505-2851
Book / Page002129 / 001700
Instrument DateOct 5, 2017
Instrument14511
Transaction TypeMortgage
Record UpdatedNov 15, 2017
Title CompanyOS NATIONAL LLC

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5550 HUBER RD HUBER HEIGHTS OH 454242001, HUBER HEIGHTS, OH 45424-2001
InvestorPossibly a Property Investor

Mortgage

Document Number0000014511
DateOct 16, 2017
Book Page002129/001700
Instrument14511
Lender
NameMISCELLANEOUS INS CO
Address250 GREENWICH ST 7 WORLD TRADE, NEW YORK, NY 10007
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLARK OH
Recording DateSep 11, 2017
Property Address432 MOUNT JOY ST, SPRINGFIELD, OH 45505-2851
Document Number0000012844
Book / Page002126 / 001663
Instrument DateJul 31, 2017
Instrument12844
Transaction TypeTransfer
Record UpdatedOct 17, 2017
Title CompanySTONEBRIDGE LAND TITLE AGENCY IN, STONEBRIDGE LAND TITLE AGCY IN

Transaction

AmountAmount on Record
Tax$230.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5550 HUBER RD HUBER HEIGHTS OH 454242001, HUBER HEIGHTS, OH 45424-2001
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Clark County assessment roll, as of August 8, 2025

Property Jurisdictions

TypeName
StateOhio
CountyClark County
MunicipalitySpringfield City
Unified School DistrictSpringfield City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$31,550 Land $5,150 Building $26,400$90,120 Land $14,700 Building $75,420
2024$1,168.00
2023$23,050 Land $4,820 Building $18,230
2022$1,166.00$65,850 Land $13,760 Building $52,090

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

Flood

FEMA maps place 432 Mount Joy St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 17, 2010

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 432 Mount Joy 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 RiskNot 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 SystemSPRINGFIELD CITY PWS
serves 60,680 people · EPA ID OH1204412
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 494 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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