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437 E Water St, Chillicothe, OH 45601 Property Records

Ross County property record for 437 E Water St, Chillicothe, OH 45601

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,708 sqft · built 1990
Lot Size0.152 acres (6,599 sqft)
Owner2 Individual Names on File
Last Sale$189,000 (Jun 2021)
Tax Bill$2,405 (2025)
Deeds & MortgagesJun 2021 Sale & Mortgage
Oct 2020 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN30-54-22-013.000

Property Details

APN / Parcel Number

Primary APN30-54-22-013.000
Alternative APN
  • 542201

Interior

Full Baths1 Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,708 sqft Living Area
Gross Area2,154 sqft
1st Floor Area988 sqft
2nd Floor Area720 sqft
Basement Area180 sqft
FlooringWood
Interior WallsPlaster

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof MaterialOther
Lot Area6,599 sqft (0.152 acres)
Lot Dimensions165 ft deep x 40 ft wide
Garage TypeDetached
Garage Area576 sqft
Parking Spaces2 Parking Spaces
PorchStoop

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number542201
Street Address437 E WATER ST
CityCHILLICOTHE
StateOH
Zip45601-2661
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description437 E WATER ST RES 40X165 54-22-13 17-4-120 0223/0081
JurisdictionROSS OH
Township / Civil DivisionSCIOTO
Census Block Group1
Census Block1005
Census Tract956400

Owner

437 E Water St is owned and occupied by two individuals who bought it in June 2021.

Source: Ross County records, as of May 21, 2026

Owner of Record2 Individual Names on File
Mailing Address437 E WATER ST, CHILLICOTHE, OH 45601-2661
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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
Jun 11, 2021Warranty Deed, Transfer · FHA Mortgage
QUICKEN LOANS LLC
Oct 9, 2020Grant Deed, Transfer
SERVICELINK
Sep 3, 2019Trustee's Deed, Foreclosure
PREMIER TITLE COMPANY, PREMIER TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 11, 2021 · Amount on File
Deed SaleJun 11, 2021 · Amount on File
Prior SaleOct 9, 2020 · Amount on File
Deed Document Number20215261
Deed Book / Page551 / 3405
Record UpdatedSep 20, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionROSS OH
Recording DateJun 11, 2021
Property Address437 E WATER ST, CHILLICOTHE, OH 45601-2661
Document Number0005513405
Book / Page551 / 3405
Instrument DateJun 9, 2021
Instrument202100005261
Transaction TypeTransfer
Record UpdatedAug 25, 2022
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE AGENCY BOX

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address437 E WATER ST, CHILLICOTHE, OH 45601-2661

Mortgage

Document Number202100005262
DateJun 11, 2021
Instrument202100005262
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2051

October 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionROSS OH
Recording DateOct 9, 2020
Property Address437 E WATER ST, CHILLICOTHE, OH 45601-2661
Document Number0005444155
Book / Page000544 / 004155
Instrument DateMar 11, 2020
Instrument7842
Transaction TypeTransfer
Record UpdatedOct 28, 2020
Title CompanySERVICELINK

Transaction

AmountAmount on Record
Tax$140.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address437 E WATER ST CHILLICOTHE OH 456012661, CHILLICOTHE, OH 45601-2661

September 2019: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionROSS OH
Recording DateSep 3, 2019
Property Address437 E WATER ST, CHILLICOTHE, OH 45601-2661
Document Number0005350634
Book / Page000535 / 000634
Instrument DateAug 6, 2019
Instrument6132
Transaction TypeForeclosure
Record UpdatedNov 27, 2019
Title CompanyPREMIER TITLE COMPANY, PREMIER TITLE

Transaction

AmountAmount on Record
Tax$172.41
Amount AccuracyConfirmed
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5001 KINGSLEY DR CINCINNATI OH 452271114, CINCINNATI, OH 45227-1114
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 437 E Water St was $2,405, up 57.6% from the year before.

Source: Ross County assessment roll, as of May 21, 2026

Property Jurisdictions

TypeName
StateOhio
CountyRoss County
County SubdivisionScioto Township
MunicipalityChillicothe City
Unified School DistrictChillicothe City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,405.00 (+57.6%)$66,620 (+73.94%) Land $4,520 Building $62,100$190,330 (+73.94%) Land $12,900 Building $177,430
2024$1,526.00 (-1.61%) Homeowner's exemption$38,300 (-) Land $4,520 Building $33,780$109,420 Land $12,900 Building $96,520
2023$1,551.00 (-0.13%) Homeowner's exemption$38,300 (-) Land $4,520 Building $33,780
2022$1,553.00 Homeowner's exemption$38,300 Land $4,520 Building $33,780$109,420 Land $12,900 Building $96,520

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

FEMA maps place 437 E Water St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 7, 2023

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

Wildfire risk around 437 E Water St 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 RiskLow
lower than 99.1% of the US · lower than 96% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCHILLICOTHE CITY PWS
serves 21,725 people · EPA ID OH7100112
Water SourceGroundwater
Last State InspectionApr 2025
LeadUnder 1 ppb (2023–2025)
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 641 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Glo Fiber
Fiber		1,000 / 1,000
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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