497 E Walnut St, Westerville, OH 43081 Property Records

Franklin County property record for 497 E Walnut St, Westerville, OH 43081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,371 sqft · built 1959
Lot Size	0.279 acres (12,163 sqft)
Owner	Individual Name on Record
Last Sale	$197,000 (Sep 2017)
Tax Bill	$5,237 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`080-002557`

Property Details

APN / Parcel Number

Primary APN	`080-002557`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,371 sqft Living Area
1st Floor Area	1,117 sqft
Family Room	Family Room

Exterior

Year Built	Built 1959
Architectural Style	Ranch
Exterior Material	Brick/Stone
Foundation Type	Raised
Lot Area	12,163 sqft (0.279 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	497 E WALNUT ST
City	WESTERVILLE
State	OH
Zip	43081-2654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST WALNUT ST WESTERVILLE ESTATES2 LOT 140
Legal Subdivision	WESTERVILLE ESTATES
Legal Lot Number	140
Jurisdiction	FRANKLIN OH
Township / Civil Division	WESTERVILLE
Census Block Group	2
Census Block	2000
Census Tract	7020

Owner

Source: Franklin County records, as of February 2, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	497 E WALNUT ST, WESTERVILLE, OH 43081-2654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 19, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC
Sep 14, 2017	Survivorship Deed, Transfer · FHA Mortgage EVOLVE BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2017 · Amount on Record
Deed Sale	Sep 14, 2017 · Amount on Record
Prior Sale	Oct 15, 2010
Deed Document Number	20728
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN OH
Property Address	497 E WALNUT ST, WESTERVILLE, OH 43081-2654
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	ASSOCIATES TITLE, ASSOCIATES TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007009
Date	Jan 10, 2022
Instrument	202201100007009

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN OH
Property Address	497 E WALNUT ST, WESTERVILLE, OH 43081-2654
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 E WALNUT ST, WESTERVILLE, OH 43081-2654

Mortgage

Document Number	0000089362
Date	Aug 19, 2025
Instrument	202508190089362

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	HEBRON, KY 41021

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN OH
Property Address	497 E WALNUT ST, WESTERVILLE, OH 43081-2654
Transaction Type	Mortgage
Record Updated	Jul 12, 2021
Title Company	LEADERS TITLE BOX

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000141563
Date	Oct 24, 2019
Instrument	201910240141563

Lender

Name	T2 FINANCIAL LLC
Type	Non-Lending Institution
Address	WESTERVILLE, OH 43082

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

September 2017: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	FRANKLIN OH
Recording Date	Sep 14, 2017
Property Address	497 E WALNUT ST, WESTERVILLE, OH 43081-2654
Document Number	0000128790
Map Reference	MB29 PG48-48A
Instrument Date	Aug 30, 2017
Instrument	201709140128790
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$394.00
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
Relationship	Right of Survivorship
Address	00000

Mortgage

Document Number	0000128791
Date	Sep 14, 2017
Instrument	201709140128791

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

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

Mortgage

Document Number	0000128792
Date	Sep 14, 2017
Instrument	201709140128792

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency
Address	00000

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of August 1, 2024

Property Jurisdictions

Type	Name
State	Ohio
County	Franklin County
Municipality	Westerville City
Unified School District	Westerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$5,237.00 (+1.08%) Homeowner's exemption Senior Citizen's exemption	$102,310 (-) Land $34,970 Building $67,340
2023	$5,181.00 (+21.16%) Homeowner's exemption	$102,310 (+51.68%) Land $34,970 Building $67,340	$292,300 (+51.69%) Land $99,900 Building $192,400
2022	$4,276.00 Homeowner's exemption	$67,450 Land $24,850 Building $42,600
2020			$192,700 Land $71,000 Building $121,700

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 June 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · other causes

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	WESTERVILLE CITY PWS serves 39,000 people · EPA ID OH2503411
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	1 ppb (2024–2026) 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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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