Ross County property record for 45 Custer Dr, Chillicothe, OH 45601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 1998 |
| Lot Size | 0.22 acres (9,601 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $270,000 (Dec 2025) |
| Tax Bill | $2,405 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Dec 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 37-09-15-298.000 |
| Primary APN | 37-09-15-298.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| Gross Area | 1,760 sqft |
| 1st Floor Area | 1,360 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 9,601 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Deck Area | 270 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 091529 |
|---|---|
| Street Address | 45 CUSTER DR |
| City | CHILLICOTHE |
| State | OH |
| Zip | 45601-9518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 45 CUSTER DR SHERMAN HTS SUB BLK A LOT 47 PT 9-15-5 0205/2229 |
| Legal Subdivision | SHERMAN HTS SUB |
| Legal Block | A |
| Legal Lot Number | 47 |
| Jurisdiction | ROSS OH |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 955603 |
Source: Ross County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 45 CUSTER DR, CHILLICOTHE, OH 45601-9518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2026 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 17, 2025 | Warranty Deed, Transfer · FHA Mortgage POLARIS HOME FUNDING CORP |
| Apr 22, 2019 | Deed of Trust, Mortgage FIFTH THIRD BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2025 · Amount on Record |
| Deed Sale | Dec 17, 2025 · Amount on Record |
| Prior Sale | Jul 29, 2021 · Amount on Record |
| Deed Document Number | 20258660 |
| Deed Book / Page | 588 / 1725 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSS OH |
| Recording Date | Aug 10, 2026 |
| Property Address | 45 CUSTER DR, CHILLICOTHE, OH 45601-9518 |
| Document Number | 0000005608 |
| Book / Page | 593 / 4489 |
| Instrument Date | Aug 3, 2026 |
| Instrument | 20265608 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | ESSEX TITLE, ESSENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 45 CUSTER DR, CHILLICOTHE, OH 45601-9518 |
| Document Number | 0000005608, |
|---|---|
| Date | Aug 10, 2026 |
| Book Page | 593/4489 |
| Instrument | 20265608 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROSS OH |
| Recording Date | Dec 17, 2025 |
| Property Address | 45 CUSTER DR, CHILLICOTHE, OH 45601-9518 |
| Document Number | 0005881725 |
| Book / Page | 588 / 1725 |
| Map Reference | VOL 13 PG 31 |
| Instrument Date | Nov 24, 2025 |
| Instrument | 202500008660 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2025 |
| Title Company | TITLE FIRST, TITLE FIRST AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 45 CUSTER DR, CHILLICOTHE, OH 45601-9518 |
| Document Number | 202500008661 |
|---|---|
| Date | Dec 17, 2025 |
| Instrument | 202500008661 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSS OH |
| Property Address | 45 CUSTER DR, CHILLICOTHE, OH 45601-9518 |
| Document Number | 0005325577 |
| Instrument Date | Apr 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2019 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 CUSTER DR CHILLICOTHE OH 456019518, CHILLICOTHE, OH 45601-9518 |
| Document Number | 0005325577 |
|---|---|
| Date | May 28, 2019 |
| Book Page | 000532/005577 |
| Instrument | 3427 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | 5050 KINGSLEY DR, CINCINNATI, OH 45227-1115 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 27, 2049 |
Source: Ross County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Ross County |
| County Subdivision | Union Township |
| Unified School District | Union-Scioto Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,405.00 (+27.99%) | $77,590 (+42.39%) Land $4,300 Building $73,290 | $221,680 (+42.39%) Land $12,280 Building $209,400 |
| 2024 | $1,879.00 (-1.88%) Homeowner's exemption | $54,490 (-) Land $11,090 Building $43,400 | $155,680 (-) Land $31,680 Building $124,000 |
| 2023 | $1,915.00 (-0.26%) Homeowner's exemption | $54,490 (-) Land $11,090 Building $43,400 | |
| 2022 | $1,920.00 Homeowner's exemption | $54,490 Land $11,090 Building $43,400 | $155,680 Land $31,680 Building $124,000 |
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.
Source: FEMA National Flood Hazard Layer, effective December 7, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | ROSS COUNTY WATER CO INC private · serves 35,345 people · EPA ID OH7101412 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Glo Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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