Delaware County property record for 440 Rutherford Ave, Delaware, OH 43015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,828 sqft · built 1989 |
| Lot Size | 0.18 acres (7,822 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Mar 2020) |
| Tax Bill | $4,389 (2025) |
| Deeds & Mortgages | Sep 2024 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 519-311-02-008-000 |
| Primary APN | 519-311-02-008-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,828 sqft Living Area |
| Gross Area | 2,228 sqft |
| 1st Floor Area | 1,028 sqft |
| Upper Floors Area | 800 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Multi-Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 7,822 sqft (0.18 acres) |
| Lot Dimensions | 120 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 26 sqft |
| Deck Area | 100 sqft |
| Patio Area | 120 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 440 RUTHERFORD AVE |
|---|---|
| City | DELAWARE |
| State | OH |
| Zip | 43015-1130 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5357 SHELBOURNE FOREST |
| Legal Subdivision | SHELBOURNE FOREST |
| Legal Lot Number | 5357 |
| Jurisdiction | DELAWARE OH |
| Township / Civil Division | DELAWARE CITY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 10420 |
440 Rutherford Ave is owned and occupied by two individuals who bought it in March 2020.
Source: Delaware County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 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.
| Date | Document |
|---|---|
| Sep 6, 2024 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK CENTRAL OHIO |
| Mar 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC |
| Mar 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2020 · Amount on File |
| Deed Sale | Mar 30, 2020 · Amount on File |
| Prior Sale | Aug 11, 1997 · Amount on File |
| Deed Document Number | 20209879 |
| Deed Book / Page | 1711 / 997 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 440 RUTHERFORD AVE, DELAWARE, OH 43015-1130 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 440 RUTHERFORD AVE, DELAWARE, OH 43015-1130 |
| Document Number | 0000018603 |
|---|---|
| Date | Sep 6, 2024 |
| Book Page | 2110/926 |
| Instrument | 202400018603 |
| Name | FIFTH THIRD BANK CENTRAL OHIO |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 25, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 440 RUTHERFORD AVE, DELAWARE, OH 43015-1130 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000012966 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 1839/406 |
| Instrument | 202100012966 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Address | WESTERVILLE, OH 43082 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELAWARE OH |
| Recording Date | Mar 30, 2020 |
| Property Address | 440 RUTHERFORD AVE, DELAWARE, OH 43015-1130 |
| Document Number | 0000009879 |
| Book / Page | 1711 / 997 |
| Map Reference | MB 21 PG 114 |
| Instrument Date | Mar 25, 2020 |
| Instrument | 202000009879 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Title Company | SEARCH 2 CLOSE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Document Number | 0000009880 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 202000009880 |
| Name | T2 FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 440 Rutherford Ave was $4,389, up 5.4% from the year before.
Source: Delaware County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Delaware County |
| Municipality | Delaware City |
| Unified School District | Delaware City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,389.00 (+5.35%) | $88,240 (-) Land $19,600 Building $68,640 | $252,100 Land $56,000 Building $196,100 |
| 2024 | $4,166.00 (-0.17%) Homeowner's exemption | $88,240 (-) Land $19,600 Building $68,640 | |
| 2023 | $4,173.00 Homeowner's exemption | $88,240 Land $19,600 Building $68,640 | $252,100 Land $56,000 Building $196,100 |
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.
FEMA maps place 440 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 risk around 440 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.
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 |
| 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.
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 |
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