48 E Whitney Ave, Shelby, OH 44875 Property Records

Richland County property record for 48 E Whitney Ave, Shelby, OH 44875

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,428 sqft · built 1922
Lot Size	0.083 acres (3,598 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Dec 2022)
Tax Bill	$1,462 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`046-08-191-06-000`

Property Details

APN / Parcel Number

Primary APN	`046-08-191-06-000`
Alternative APN	`06060`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	624 sqft
Upper Floors Area	286 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1960
Architectural Style	Other
Exterior Material	Aluminum Siding
Construction Type	Frame
Lot Area	3,598 sqft (0.083 acres)
Lot Dimensions	60 ft deep x 60 ft wide
Garage Type	Mixed
Garage Area	912 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	126 sqft
Deck Area	Deck Area
Patio Area	672 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	48 E WHITNEY AVE
City	SHELBY
State	OH
Zip	44875-1350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	179 E PT 60 X 60
Legal Subdivision	SHELBY
Jurisdiction	RICHLAND OH
Township / Civil Division	SHARON
Census Block Group	4
Census Block	4053
Census Tract	2600

Owner

Source: Richland County records, as of July 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	48 E WHITNEY AVE, SHELBY, OH 44875-1350
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 12, 2022	Survivorship Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Sep 5, 2017	Warranty Deed, Transfer · FHA Mortgage ALLIED MORTGAGE GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2022 · Amount on Record
Deed Sale	Dec 12, 2022 · Amount on Record
Prior Sale	Sep 5, 2017 · Amount on Record
Deed Document Number	202215117
Deed Book / Page	2998 / 5502
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	48 E WHITNEY AVE, SHELBY, OH 44875-1350
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 E WHITNEY AVE, SHELBY, OH 44875-1350

Mortgage

Document Number	002963/427
Date	Dec 28, 2021
Book Page	2963/427
Instrument	202100018411

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	48 E WHITNEY AVE, SHELBY, OH 44875-1350
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002849/124
Date	Dec 23, 2020
Book Page	2849/124
Instrument	202000015841

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

December 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	RICHLAND OH
Recording Date	Dec 12, 2022
Property Address	48 E WHITNEY AVE, SHELBY, OH 44875-1350
Document Number	02998/5502
Book / Page	2998 / 5502
Instrument Date	Dec 12, 2022
Instrument	202200015117
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE AGENCY

Transaction

Amount	Amount Recorded
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
Address	48 E WHITNEY AVE, SHELBY, OH 44875-1350

Mortgage

Document Number	202200015118
Date	Dec 12, 2022
Instrument	202200015118

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	48 E WHITNEY AVE, SHELBY, OH 44875-1350
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2849/124
Date	Dec 23, 2020
Book Page	2849/124
Instrument	202000015841

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND OH
Recording Date	Sep 5, 2017
Property Address	48 E WHITNEY AVE, SHELBY, OH 44875-1350
Document Number	02568/0607
Book / Page	2568 / 0607
Instrument Date	Aug 31, 2017
Instrument	201700011313
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	201700011314
Date	Sep 5, 2017
Instrument	201700011314

Lender

Name	ALLIED MORTGAGE GROUP INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

Source: Richland County assessment roll, as of April 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Richland County
County Subdivision	Sharon Township
Municipality	Shelby City
Unified School District	Shelby City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,462.00 (+0.07%)	$39,250 (-) Land $2,860 Building $36,390
2024	$1,461.00 (-2.73%) Homeowner's exemption	$39,250 (-) Land $2,860 Building $36,390
2023	$1,502.00 (+19.87%) Homeowner's exemption	$39,250 (+33.78%) Land $2,860 Building $36,390	$112,160 (+33.79%) Land $8,180 Building $103,980
2022	$1,253.00 Homeowner's exemption	$29,340 Land $3,070 Building $26,270
2020			$83,830 Land $8,780 Building $75,050

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

Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	82 (1979–2011)
Claims Outside the SFHA	11 of 82
Most Recent Claim	Feb 2011 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 39 claims Severe Storms And Flooding, Jun 2004 · 6 claims Severe Storms & Flooding, Jul 1987 · 12 claims

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

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	SHELBY CITY serves 9,453 people · EPA ID OH7004511
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (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	1 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 465 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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