4502 Clover Rd, Cumberland, OH 43732 Property Records

Guernsey County property record for 4502 Clover Rd, Cumberland, OH 43732

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,404 sqft · built 1994
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Aug 2026)
Tax Bill	$1,858 (2025)
Deeds & Mortgages	Aug 2026 Sale & Construction Loan Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-0000210.004`

Property Details

APN / Parcel Number

Primary APN	`36-0000210.004`
Alternative APN	`003770-2`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Roof Material	Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	896 sqft
Deck Area	24 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	003770-2
Street Address	4502 CLOVER RD
City	CUMBERLAND
State	OH
Zip	43732-9312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R10 T9 SS17 PT NE 1/4
Legal Range	10W
Legal Township	09N
Legal Section	17
Legal Subdivision	THE CONGRESS EAST OF THE SCIOTO RIVER
Legal Tract	9
Jurisdiction	GUERNSEY OH
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3036
Census Tract	978000

Owner

Source: Guernsey County records, as of September 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4502 CLOVER RD, CUMBERLAND, OH 43732-9312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Warranty Deed, Construction Loan · Construction Mortgage MORTGAGE MORTGAGE
Sep 5, 2018	Warranty Deed, Transfer · Conventional Mortgage ANABAPTIST FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2026 · Amount on Record
Deed Sale	Aug 14, 2026 · Amount on Record
Prior Sale	Aug 6, 2025 · Amount on Record
Deed Document Number	20264282
Deed Book / Page	613 / 4156
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	Aug 14, 2026
Property Address	4502 CLOVER RD, CUMBERLAND, OH 43732-9312
Document Number	0000004282
Book / Page	613 / 4156
Instrument Date	Aug 3, 2026
Instrument	20264282
Transaction Type	Construction Loan
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103,020.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	4502 CLOVER RD, CUMBERLAND, OH 43732-9312

Mortgage

Document Number	0000004283,
Date	Aug 14, 2026
Instrument	20264283

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 1, 2027

Interest

Rate Type	Balloon
Initial Type	Balloon
Max Rate	-1%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	Sep 5, 2018
Property Address	4502 CLOVER RD, CUMBERLAND, OH 43732-9312
Document Number	00558/3594
Book / Page	558 / 3594
Instrument Date	Aug 27, 2018
Instrument	201800005122
Transaction Type	Transfer
Record Updated	Apr 14, 2022
Title Company	MID OHIO TITLE AGENCY INC, MID OHIO TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$459.60
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	4502 CLOVER RD, CUMBERLAND, OH 43732-9312

Mortgage

Document Number	201800005123
Date	Sep 5, 2018
Instrument	201800005123

Lender

Name	ANABAPTIST FINANCIAL
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 1, 2043

Tax Assessment & Valuation

Source: Guernsey County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Guernsey County
County Subdivision	Spencer Township
Unified School District	Rolling Hills Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,858.00 (-2.93%) Homeowner's exemption	$49,605 (-) Land $12,089 Building $37,516
2024	$1,914.00 (+23.4%) Homeowner's exemption	$49,605 (+26.99%) Land $12,089 Building $37,516	$141,730 (+27%) Land $34,540 Building $107,190
2023	$1,551.00 (-1.4%) Homeowner's exemption	$39,063 (+0.01%) Land $9,520 Building $29,543
2022	$1,573.00 Homeowner's exemption	$39,060 Land $9,520 Building $29,540	$111,600 (-0.01%) Land $27,200 Building $84,400
2021			$111,610 Land $27,200 Building $84,410

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 16, 2011 · 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 Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · Severe Storms And Flooding

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Smart Way Communications.

Cell Coverage

No cell data coverage reported

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