46 E 2nd St, Chillicothe, OH 45601 Property Records

Ross County property record for 46 E 2nd St, Chillicothe, OH 45601

Property Summary

Property Type	Commercial
Details	1.5 ba · 3,174 sqft · built 1864
Lot Size	0.227 acres (9,901 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Apr 2023)
Tax Bill	$2,281 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-54-03-020.000`

Property Details

APN / Parcel Number

Primary APN	`30-54-03-020.000`
Alternative APN	`540302`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,174 sqft Gross Area
1st Floor Area	1,731 sqft
Basement Area	711 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1864
Effective Year Built	Effective 1896
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	9,901 sqft (0.227 acres)
Lot Dimensions	198 ft deep x 50 ft wide
Porch	Open Brick Porch

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	540302
Street Address	46 E 2ND ST
City	CHILLICOTHE
State	OH
Zip	45601-2523
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	46 E 2ND ST COM 49 49.5X198AV 54-3-20 (17-5-59) 0197/0227
Jurisdiction	ROSS OH
Township / Civil Division	SCIOTO
Census Block Group	3
Census Block	3002
Census Tract	956300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Chillicothe Business District listed 1979 · 21 contributing resources · NRIS 79001931

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Ross County assessment roll, as of May 21, 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 File
Mailing Address	46 E 2ND ST, CHILLICOTHE, OH 45601-2523
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 19, 2020	Deed of Trust, Mortgage · Line of Credit THE VINTON COUNTY NATIONAL BANK
Aug 10, 2018	Warranty Deed, Transfer · ARM THE VINTON COUNTY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 28, 2023 · Amount on Record
Deed Sale	Apr 28, 2023 · Amount on Record
Prior Sale	Aug 10, 2018 · Amount on Record
Deed Document Number	20232677
Deed Book / Page	567 / 4814
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSS OH
Recording Date	Apr 28, 2023
Property Address	46 E 2ND ST, CHILLICOTHE, OH 45601-2523
Document Number	0005674814
Book / Page	567 / 4814
Instrument Date	Apr 25, 2023
Instrument	202300002677
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE AGENCY BOX

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	46 E 2ND ST, CHILLICOTHE, OH 45601-2523

Mortgage

Document Number	202300002678
Date	Apr 28, 2023
Instrument	202300002678

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSS OH
Property Address	46 E 2ND ST, CHILLICOTHE, OH 45601-2523
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005413945
Date	Jun 19, 2020
Book Page	541/3945
Instrument	202000004347

Lender

Name	THE VINTON COUNTY NATIONAL BANK
Type	Bank
Address	MC ARTHUR, OH 45651

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jul 10, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSS OH
Recording Date	Aug 10, 2018
Property Address	46 E 2ND ST, CHILLICOTHE, OH 45601-2523
Document Number	0005260998
Book / Page	0526 / 0998
Map Reference	VOL151 PG115
Instrument Date	Aug 9, 2018
Instrument	201800005732
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 E SECOND ST, SOUTH BEND, IN 46601

Mortgage

Document Number	201800005733
Date	Aug 10, 2018
Instrument	201800005733

Lender

Name	THE VINTON COUNTY NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Sep 1, 2023
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.75%
Index	5-Year CMT
Margin	2
Max Rate	10.7%

Tax Assessment & Valuation

Source: Ross County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ross County
County Subdivision	Scioto Township
Municipality	Chillicothe City
Unified School District	Chillicothe City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,281.00 (+39.43%)	$51,360 (+82.13%) Land $23,440 Building $27,920	$146,720 (+82.1%) Land $66,960 Building $79,760
2024	$1,636.00 (-1.45%)	$28,200 (-) Land $9,960 Building $18,240	$80,570 (-) Land $28,460 Building $52,110
2023	$1,660.00 (-0.3%)	$28,200 (-) Land $9,960 Building $18,240
2022	$1,665.00	$28,200 Land $9,960 Building $18,240	$80,570 Land $28,460 Building $52,110

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 December 7, 2023 · 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	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

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

Water System	CHILLICOTHE CITY PWS serves 21,725 people · EPA ID OH7100112
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 519 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
The Chillicothe Telephone Co Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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