524 Culvert St, Sidney, OH 45365 Property Records

Shelby County property record for 524 Culvert St, Sidney, OH 45365

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,810 sqft · built 1900
Lot Size	0.158 acres (6,880 sqft)
Owner	2 Individual Names on File
Last Sale	$86,000 (Apr 2013)
Tax Bill	$1,459 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-1836176.008`

Property Details

APN / Parcel Number

Primary APN	`01-1836176.008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,810 sqft Living Area
1st Floor Area	1,030 sqft
Upper Floors Area	780 sqft
Basement Area	1,030 sqft
Unfinished Basement	1,030 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Roof Material	Shingle
Lot Area	6,880 sqft (0.158 acres)
Lot Dimensions	160 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	282 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	524 CULVERT ST
City	SIDNEY
State	OH
Zip	45365-2902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1796 WHOLE 020-18-36-176-008
Legal Subdivision	HIGHLAND TERRACE
Legal Lot Number	1796
Jurisdiction	SHELBY OH
Township / Civil Division	CLINTON
Census Block Group	2
Census Block	2002
Census Tract	971900

Owner

524 Culvert St is owned and occupied by two individuals who bought it in April 2013.

Source: Shelby County records, as of July 23, 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	2 Individual Names on File
Mailing Address	524 CULVERT ST, SIDNEY, OH 45365-2902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2013 · Amount on File
Deed Sale	Apr 30, 2013 · Amount on File
Prior Sale	Sep 15, 2009 · Amount on File
Deed Document Number	20132718
Deed Book / Page	1910 / 1
Record Updated	Oct 29, 2026

June 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	SHELBY OH
Recording Date	Jun 10, 2021
Property Address	524 CULVERT ST, SIDNEY, OH 45365-2902
Document Number	2292/163
Book / Page	2292 / 163
Map Reference	VOL 113 PG 40
Instrument Date	May 28, 2021
Instrument	202100004034
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	MIDWEST OHIO TITLE AGENCY

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	524 CULVERT ST, SIDNEY, OH 45365-2902

Mortgage

Document Number	202100004035
Date	Jun 10, 2021
Instrument	202100004035

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 524 Culvert St was $1,459 with a homeowner's exemption, down 6% from the year before.

Source: Shelby County assessment roll, as of July 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,459.00 (-5.99%)	$45,060 (-) Land $5,830 Building $39,230
2024	$1,552.00 (-2.27%) Homeowner's exemption	$45,060 (-) Land $5,830 Building $39,230
2023	$1,588.00 (+17.11%) Homeowner's exemption	$45,060 (+32.37%) Land $5,830 Building $39,230	$128,750 Land $16,670 Building $112,080
2022	$1,356.00 Homeowner's exemption	$34,040 Land $4,460 Building $29,580
2020			$97,240 Land $12,730 Building $84,510

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

FEMA maps place 524 Culvert St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 524 Culvert 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 99.1% of the US · lower than 96% 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	SIDNEY CITY PWS serves 20,614 people · EPA ID OH7501214
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2024
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 487 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NKTELCO - Goldstar Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20