512 Locust St, Delta, OH 43515 Property Records

Fulton County property record for 512 Locust St, Delta, OH 43515

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,512 sqft · built 1900
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$83,000 (May 2026)
Tax Bill	$2,452 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`31-058096-00.000`

Property Details

APN / Parcel Number

Primary APN	`31-058096-00.000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,301 sqft
Upper Floors Area	211 sqft
Basement Area	1,301 sqft
Unfinished Basement	1,301 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	132 ft deep x 165 ft wide
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	75 sqft
Deck Area	280 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	512 LOCUST ST
City	DELTA
State	OH
Zip	43515-1414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FP
Legal Description	DUNHAM ADDITION LOT 11 & 12
Legal Range	00
Legal Township	00
Legal Section	12
Legal Subdivision	DUNHAM ADDITION
Legal Lot Number	11,12
Jurisdiction	FULTON OH
Township / Civil Division	YORK
Census Block Group	3
Census Block	3041
Census Tract	40400

Owner

512 Locust St is owned and occupied by an individual who bought it in May 2026.

Source: Fulton County records, as of July 9, 2026

Owner of Record	Individual Name on File
Mailing Address	512 LOCUST ST, DELTA, OH 43515-1414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage FARMERS MERCHANTS STATE BANK
May 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage FARMERS MERCHANTS STATE BANK
May 4, 2026	Deed, Transfer · Conventional Mortgage FARMERS MERCHANTS STATE BANK
Nov 4, 2022	Fiduciary Deed, Transfer · Line of Credit THE FARMERS & MERCHANTS STATE BANK
Sep 2, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on File
Deed Sale	May 4, 2026 · Amount on File
Prior Sale	Nov 4, 2022 · Amount on File
Deed Document Number	20261888
Deed Book / Page	389 / 4541
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FULTON OH
Recording Date	Jun 25, 2026
Property Address	512 LOCUST ST, DELTA, OH 43515-1414
Document Number	0000002704
Book / Page	390 / 2870
Instrument Date	Jun 9, 2026
Instrument	20262704
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 LOCUST ST, DELTA, OH 43515-1414

Mortgage

Document Number	0000002704,
Date	Jun 25, 2026
Book Page	390/2870
Instrument	20262704

Lender

Name	FARMERS MERCHANTS STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FULTON OH
Recording Date	May 4, 2026
Property Address	512 LOCUST ST, DELTA, OH 43515-1414
Document Number	0000001889
Book / Page	389 / 4543
Instrument Date	Apr 30, 2026
Instrument	20261889
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	POST CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 LOCUST ST, DELTA, OH 43515-1414

Mortgage

Document Number	0000001889,
Date	May 4, 2026
Book Page	389/4543
Instrument	20261889

Lender

Name	FARMERS MERCHANTS STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FULTON OH
Recording Date	May 4, 2026
Property Address	512 LOCUST ST, DELTA, OH 43515-1414
Document Number	00389/4541
Book / Page	389 / 4541
Instrument Date	Apr 30, 2026
Instrument	2026.1888
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	LOUISVILLE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33,532.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	512 LOCUST ST, DELTA, OH 43515-1414

Mortgage

Document Number	0000001888,
Date	May 4, 2026
Book Page	389/4543
Instrument	2026.1888

Lender

Name	FARMERS MERCHANTS STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	FULTON OH
Recording Date	Nov 4, 2022
Property Address	512 LOCUST ST, DELTA, OH 43515-1414
Document Number	00374/5632
Book / Page	374 / 5632
Instrument Date	Nov 4, 2022
Instrument	202200005166
Transaction Type	Transfer
Record Updated	Nov 17, 2022

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	8813 COUNTY ROAD FG, DELTA, OH 43515-9474

Mortgage

Document Number	202200005167
Date	Nov 4, 2022
Instrument	202200005167

Lender

Name	THE FARMERS & MERCHANTS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 4, 2037

Interest

Rate Type	Adjustable Rate

September 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	FULTON OH
Recording Date	Sep 2, 2022
Property Address	512 LOCUST ST, DELTA, OH 43515-1414
Document Number	000374/772
Book / Page	374 / 772
Instrument Date	Sep 1, 2022
Instrument	202200004149
Transaction Type	Transfer
Record Updated	Sep 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 512 Locust St was $2,452, down 5.3% from the year before.

Source: Fulton County assessment roll, as of April 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Fulton County
County Subdivision	York Township
Municipality	Delta Village
Unified School District	Pike-Delta-York Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,452.00 (-5.29%)	$54,810 (-) Land $13,300 Building $41,510	$156,600 (-) Land $38,000 Building $118,600
2024	$2,589.00 (-0.84%)	$54,810 (-) Land $13,300 Building $41,510	$156,600 (-) Land $38,000 Building $118,600
2023	$2,611.00 (+36.84%)	$54,810 (+27.41%) Land $13,300 Building $41,510	$156,600 Land $38,000 Building $118,600
2022	$1,908.00 Homeowner's exemption	$43,020 Land $11,100 Building $31,920
2020			$122,900 Land $31,700 Building $91,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 512 Locust St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 26, 2021 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 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 512 Locust St 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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	DELTA VILLAGE serves 3,518 people · EPA ID OH2600311
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2023 Turbidity resolved · Jun 2020 Failure to filter resolved · Sep 2019
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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: MetaLINK Technologies, Verizon.

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