434 Monroe St, Delta, OH 43515 Property Records

Fulton County property record for 434 Monroe St, Delta, OH 43515

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,540 sqft · built 1974
Lot Size	0.241 acres (10,494 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Nov 2025)
Tax Bill	$2,443 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jun 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-059040-00.000`

Property Details

APN / Parcel Number

Primary APN	`31-059040-00.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,540 sqft Living Area
Gross Area	1,354 sqft
1st Floor Area	964 sqft
Upper Floors Area	576 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,494 sqft (0.241 acres)
Lot Dimensions	159 ft deep x 66 ft wide

Exterior Amenities

Porch	Porch
Porch Area	304 sqft
Deck Area	220 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	434 MONROE ST
City	DELTA
State	OH
Zip	43515-1056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	GATES THIRD ADDITION LOT 141 S 66FT
Legal Subdivision	GATES THIRD ADDITION
Legal Lot Number	141
Jurisdiction	FULTON OH
Township / Civil Division	YORK
Census Block Group	1
Census Block	1013
Census Tract	40400

Owner

Source: Fulton County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	434 MONROE ST, DELTA, OH 43515-1056
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Warranty Deed, Transfer · FHA Mortgage HOWARD HANNA MORTGAGE SERVICES INC
Jun 14, 2023	Warranty Deed, Transfer · Conventional Mortgage CIVISTA BANK
Dec 10, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC
Oct 30, 2020	Survivorship Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2025 · Amount on Record
Deed Sale	Nov 13, 2025 · Amount on Record
Prior Sale	Jun 14, 2023 · Amount on Record
Deed Document Number	20254898
Deed Book / Page	387 / 2838
Prior Transfer Date	Feb 8, 2006
Prior Transfer Doc	0260/1827
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FULTON OH
Recording Date	Nov 13, 2025
Property Address	434 MONROE ST, DELTA, OH 43515-1056
Document Number	00387/2838
Book / Page	387 / 2838
Map Reference	VOL 2 PG 41
Instrument Date	Nov 10, 2025
Instrument	202500004898
Transaction Type	Transfer
Record Updated	Nov 26, 2025

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
Relationship	Joint Tenants with Right of Survivorship
Address	434 MONROE ST, DELTA, OH 43515-1056

Mortgage

Document Number	202500004899
Date	Nov 13, 2025
Instrument	202500004899

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FULTON OH
Recording Date	Jun 14, 2023
Property Address	434 MONROE ST, DELTA, OH 43515-1056
Document Number	00377/1715
Book / Page	377 / 1715
Map Reference	VOL 2 PG 41
Instrument Date	Jun 7, 2023
Instrument	202300002153
Transaction Type	Transfer
Record Updated	Jul 5, 2023

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	434 MONROE ST, DELTA, OH 43515-1056

Mortgage

Document Number	202300002154
Date	Jun 14, 2023
Instrument	202300002154

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FULTON OH
Recording Date	Dec 10, 2021
Property Address	434 MONROE ST, DELTA, OH 43515-1056
Document Number	00370/1999
Book / Page	370 / 1999
Map Reference	VOL 2 PG 41
Instrument Date	Dec 3, 2021
Instrument	202100006899
Transaction Type	Transfer
Record Updated	Dec 27, 2021

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	434 MONROE ST, DELTA, OH 43515-1056

Mortgage

Document Number	202100006900
Date	Dec 10, 2021
Instrument	202100006900

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	FULTON OH
Recording Date	Oct 30, 2020
Property Address	434 MONROE ST, DELTA, OH 43515-1056
Document Number	363/1944
Book / Page	363 / 1944
Instrument Date	Oct 2, 2020
Instrument	202000262497
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount Recorded
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
Relationship	Right of Survivorship
Address	128 WOODSIDE DR, SWANTON, OH 43558-1138

Tax Assessment & Valuation

Source: Fulton County assessment roll, as of April 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Fulton County
County Subdivision	York Township
Municipality	Delta Village
Unified School District	Pike-Delta-York Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,443.00 (-5.24%)	$54,570 (-) Land $7,110 Building $47,460	$155,900 (-) Land $20,300 Building $135,600
2024	$2,578.00 (-0.85%)	$54,570 (-) Land $7,110 Building $47,460	$155,900 (-) Land $20,300 Building $135,600
2023	$2,600.00 (+6.38%)	$54,570 (+27.14%) Land $7,110 Building $47,460	$155,900 (+27.16%) Land $20,300 Building $135,600
2022	$2,444.00	$42,920 Land $6,130 Building $36,790
2020			$122,600 Land $17,500 Building $105,100

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 August 26, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	3 (2013–2019)
Most Recent Claim	Feb 2019 · other causes

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	Direct burnable vegetation

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	DELTA VILLAGE serves 3,518 people · EPA ID OH2600311
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2023 Turbidity resolved · Jun 2020 Failure to filter resolved · Sep 2019
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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: MetaLINK Technologies, Verizon.

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