4574 S Kessler Frederick Rd, West Milton, OH 45383 Property Records

Miami County property record for 4574 S Kessler Frederick Rd, West Milton, OH 45383

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,203 sqft · built 1967
Lot Size	6.61 acres (287,932 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Nov 2018)
Tax Bill	$4,496 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`L32-020900`

Property Details

APN / Parcel Number

Primary APN	`L32-020900`
Alternative APNs	`060514.4-01-018-00` `L32UN014 02902`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,203 sqft Living Area
1st Floor Area	3,008 sqft
Attic	Attic
Attic Area	699 sqft
Basement Area	1,456 sqft
Unfinished Basement	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	287,932 sqft (6.61 acres)
Terrain	Rolling
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Patio Area	384 sqft
Shed	1 Shed
Shed Area	252 sqft
Canopy	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4574 S KESSLER FREDERICK RD
City	WEST MILTON
State	OH
Zip	45383-9791
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5-6-14 TR H SW COR NE & NW COR SE & NE COR SW
Legal Range	05
Legal Township	06
Legal Section	14
Legal Tract	H
Jurisdiction	MIAMI OH
Township / Civil Division	UNION
Census Block Group	4
Census Block	4009
Census Tract	340100

Owner

4574 S Kessler Frederick Rd is owned and occupied by two individuals who bought it in November 2018.

Source: Miami County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4574 S KESSLER FREDERICK RD, WEST MILTON, OH 45383-9791
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 27, 2018	Warranty Deed, Transfer · ARM UNITY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2018 · Amount on File
Deed Sale	Nov 27, 2018 · Amount on File
Prior Sale	Mar 19, 2013 · Amount on File
Deed Document Number	20182018OR-14638
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	4574 S KESSLER FREDERICK RD, WEST MILTON, OH 45383-9791
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015210
Date	Aug 31, 2021
Instrument	2021OR-15210

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 27, 2018
Property Address	4574 S KESSLER FREDERICK RD, WEST MILTON, OH 45383-9791
Document Number	0000014638
Instrument Date	Nov 21, 2018
Instrument	2018OR-14638
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Amount	Amount on Record
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	Right of Survivorship
Address	4574 S KESSLER FREDERICK RD, WEST MILTON, OH 45383-9791

Mortgage

Document Number	0000014639
Date	Nov 27, 2018
Instrument	2018OR-14639

Lender

Name	UNITY NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.12%
Index	1-Year CMT
Max Rate	11.1%

Tax Assessment & Valuation

The 2025 property tax bill for 4574 S Kessler Frederick Rd was $4,496 with a homeowner's exemption, up 5% from the year before.

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Union Township
Unified School District	Milton-Union Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,496.00 (+5.05%) Homeowner's exemption	$149,670 (+22.11%) Land $32,310 Building $117,360	$427,600 Land $92,300 Building $335,300
2024	$4,280.00 (+2.44%) Homeowner's exemption	$122,570 (-) Land $30,030 Building $92,540
2023	$4,178.00 (-3.51%) Homeowner's exemption	$122,570 (-) Land $30,030 Building $92,540	$350,200 (-) Land $85,800 Building $264,400
2022	$4,330.00 Homeowner's exemption	$122,570 Land $30,030 Building $92,540	$350,200 Land $85,800 Building $264,400

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 4574 S Kessler Frederick Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1980–2007)
Most Recent Claim	Mar 2007 · 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

Wildfire risk around 4574 S Kessler Frederick Rd is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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