518 Main St, Philo, OH 43771 Property Records

Muskingum County property record for 518 Main St, Philo, OH 43771

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,249 sqft · built 1942
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$167,750 (Sep 2025)
Tax Bill	$1,048 (2025)
Deeds & Mortgages	Feb 2006 Mortgage Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-21-10-04-000`

Property Details

APN / Parcel Number

Primary APN	`20-21-10-04-000`
Alternative APN	`054710-9`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,249 sqft Living Area
1st Floor Area	711 sqft
Upper Floors Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Conventional
Exterior Material	Wood Siding
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	Deck Area
Patio Area	353 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	054710-9
Street Address	518 MAIN ST
City	PHILO
State	OH
Zip	43771-9651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 SQ 22 PHILO 66 X 132
Legal Subdivision	SQUARE 22
Legal Lot Number	16
Jurisdiction	MUSKINGUM OH
Township / Civil Division	HARRISON
Census Block Group	2
Census Block	2051
Census Tract	912500

Owner

518 Main St is owned and occupied by an individual who bought it in September 2025.

Source: Muskingum County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	518 MAIN ST, PHILO, OH 43771-9651
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 16, 2006	Deed of Trust, Mortgage CENTURY NATIONAL BANK
Sep 18, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN HERITAGE LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2025 · Amount on File
Deed Sale	Sep 18, 2025 · Amount on File
Deed Book / Page	3294 / 125
Record Updated	Oct 29, 2026

February 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKINGUM OH
Property Address	518 MAIN ST, PHILO, OH 43771-9651
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002010/505
Date	Feb 16, 2006
Book Page	2010/505
Instrument	200600002565

Lender

Name	CENTURY NATIONAL BANK
Type	Bank
Address	14 S 5TH ST, ZANESVILLE, OH 43701

Agreement

Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2036

Interest

Rate Type	Adjustable Rate

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKINGUM OH
Recording Date	Sep 18, 2025
Property Address	518 MAIN ST, PHILO, OH 43771-9651
Document Number	003294/125
Book / Page	3294 / 125
Map Reference	MB A-O PG 194
Instrument Date	Sep 11, 2025
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 MAIN ST, PHILO, OH 43771-9651

Mortgage

Document Number	0003294128
Date	Sep 18, 2025
Instrument	3294/128

Lender

Name	AMERICAN HERITAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 518 Main St was $1,048, down 8.2% from the year before.

Source: Muskingum County assessment roll, as of March 5, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Muskingum County
County Subdivision	Harrison Township
Municipality	Philo Village
Unified School District	Franklin Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,048.00 (-8.23%)	$31,815 (-) Land $3,395 Building $28,420
2024	$1,142.00 (+4.39%)	$31,815 (+13.63%) Land $3,395 Building $28,420	$90,900 Land $9,700 Building $81,200
2023	$1,094.00	$28,000 Land $2,765 Building $25,235
2021			$80,000 Land $7,900 Building $72,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 518 Main St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective July 26, 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
Nearby Flood Claims	4 (1980–2008)
Most Recent Claim	Mar 2008 · river or lake flooding

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 518 Main St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	PHILO private · serves 974 people · EPA ID OH6001912
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Smart Way Communications Fixed Wireless	250 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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