4578 Speranza Loop, Galena, OH 43021 Property Records

Delaware County property record for 4578 Speranza Loop, Galena, OH 43021

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,645 sqft · built 2019
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$1,115,000 (Oct 2022)
Tax Bill	$22,536 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jul 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`317-220-14-015-000`

Property Details

APN / Parcel Number

Primary APN	`317-220-14-015-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,645 sqft Living Area
Gross Area	6,051 sqft
1st Floor Area	2,645 sqft
Basement Area	2,645 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Brick/Stone
Lot Area	14,985 sqft (0.344 acres)
Garage Type	Attached
Garage Area	761 sqft
Parking Spaces	3 Parking Spaces
Pool Area	448 sqft
Porch	Open Porch
Patio Area	650 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	4578 SPERANZA LOOP
City	GALENA
State	OH
Zip	43021-7636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7941 MIRASOL SEC 2
Legal Subdivision	MIRASOL SEC 2
Legal Lot Number	7941
Jurisdiction	DELAWARE OH
Township / Civil Division	GENOA
Census Block Group	1
Census Block	1010
Census Tract	11763

Owner

4578 Speranza Loop is owned and occupied by two individuals who bought it in October 2022.

Source: Delaware County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4578 SPERANZA LOOP, GALENA, OH 43021-7636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint 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

Date	Document
Dec 16, 2022	Deed of Trust, Mortgage · Line of Credit THE UNION BANK CO
Jul 7, 2025	Deed of Trust, Mortgage · Line of Credit THE UNION BANK CO
Oct 10, 2022	Warranty Deed, Transfer CS TITLE AGENCY, CBUS TITLE AGENCY
Jun 28, 2022	Warranty Deed, Transfer STEWART TITLE, STEWART TITLE BOX
May 29, 2020	Loan Modification, Mortgage HUNTINGTON NAT'L BK
Sep 17, 2019	Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2022 · Amount on File
Deed Sale	Oct 10, 2022 · Amount on File
Prior Sale	Jun 28, 2022 · Amount on File
Deed Document Number	202230174
Deed Book / Page	1996 / 2772
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	4578 SPERANZA LOOP, GALENA, OH 43021-7636
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	CROSSLAND TITLE AGENCY, CROSSLAND TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035850
Date	Dec 16, 2022
Book Page	2008/1160
Instrument	202200035850

Lender

Name	THE UNION BANK CO
Type	Bank
Address	MARION, OH 43302

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 30, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	4578 SPERANZA LOOP, GALENA, OH 43021-7636
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015109
Date	Jul 7, 2025
Book Page	2165/541
Instrument	202500015109

Lender

Name	THE UNION BANK CO
Type	Bank
Address	DELAWARE, OH 43015

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 30, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OH
Recording Date	Oct 10, 2022
Property Address	4578 SPERANZA LOOP, GALENA, OH 43021-7636
Document Number	0000030174
Book / Page	1996 / 2772
Map Reference	VOL 1612 PG 2093
Instrument Date	Oct 6, 2022
Instrument	202200030174
Transaction Type	Transfer
Record Updated	Apr 7, 2026
Title Company	CS TITLE AGENCY, CBUS TITLE AGENCY

Transaction

Amount	Amount 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	4578 SPERANZA LOOP, GALENA, OH 43021-7636

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OH
Recording Date	Jun 28, 2022
Property Address	4578 SPERANZA LOOP, GALENA, OH 43021-7636
Document Number	0000019642
Book / Page	1975 / 1670
Map Reference	VOL 1612 PG 2093
Instrument Date	Jun 21, 2022
Instrument	202200019642
Transaction Type	Transfer
Record Updated	Apr 7, 2026
Title Company	STEWART TITLE, STEWART TITLE BOX

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7630 GIBSON ST # 110, 110, LIBERTY TOWNSHIP, OH 45069-7524

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DELAWARE OH
Property Address	4578 SPERANZA LOOP, GALENA, OH 43021-7636
Document Number	0000021381
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4578 SPERANZA LOOP GALENA OH 430217636, GALENA, OH 43021-7636

Mortgage

Document Number	0000021381
Date	Jun 19, 2020
Book Page	001738/000354
Instrument	21381

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Amount	Amount on Record

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OH
Recording Date	Sep 17, 2019
Property Address	4578 SPERANZA LOOP, GALENA, OH 43021-7636
Document Number	0000025612
Book / Page	1664 / 1271
Map Reference	VOL 1612 PG 2093
Instrument Date	Sep 16, 2019
Instrument	201900025612
Transaction Type	Transfer
Record Updated	Apr 14, 2022
Title Company	TALON TITLE AENCY

Transaction

Amount	Amount 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	7202 LONGLINING RD, NEW ALBANY, OH 43054-7696

Mortgage

Document Number	0000025613
Date	Sep 17, 2019
Instrument	201900025613

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.1%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.1%
Index	1-Year LIBOR
Max Rate	8.1%

Tax Assessment & Valuation

The 2025 property tax bill for 4578 Speranza Loop was $22,536, up 5.5% from the year before.

Source: Delaware County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Delaware County
County Subdivision	Genoa Township
Unified School District	Olentangy Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$22,536.00 (+5.46%)	$360,990 (-) Land $61,600 Building $299,390	$1,031,400 Land $176,000 Building $855,400
2024	$21,369.00 (-6.56%)	$360,990 (-6.99%) Land $61,600 Building $299,390
2023	$22,869.00 (+27.47%)	$388,120 (+61.56%) Land $61,600 Building $326,520	$1,031,400 Land $176,000 Building $855,400
2022	$17,941.00	$240,240 Land $49,000 Building $191,240
2020			$686,400 Land $140,000 Building $546,400

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 4578 Speranza Loop in Zone X, an area of minimal flood risk.

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

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 4578 Speranza Loop 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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DEL-CO WATER COMPANY, INC. private · serves 150,000 people · EPA ID OH2101412
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Breezeline.

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