524 Prato Ct, Delaware, OH 43015 Property Records

Delaware County property record for 524 Prato Ct, Delaware, OH 43015

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,676 sqft · built 2019
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$373,100 (Aug 2019)
Tax Bill	$9,272 (2025)
Deeds & Mortgages	Nov 2020 Second Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`419-130-26-009-000`

Property Details

APN / Parcel Number

Primary APN	`419-130-26-009-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,676 sqft Living Area
Gross Area	3,772 sqft
1st Floor Area	1,676 sqft
Basement Area	1,676 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Brick/Stone
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	524 PRATO CT
City	DELAWARE
State	OH
Zip	43015-7693
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11625 TERRA ALTA SEC 1 PT 2
Legal Subdivision	TERRA ALTA SEC 1 PT 2
Legal Lot Number	11625
Jurisdiction	DELAWARE OH
Township / Civil Division	DELAWARE
Census Block Group	1
Census Block	1052
Census Tract	12200

Owner

524 Prato Ct is owned and occupied by an individual who bought it in August 2019.

Source: Delaware County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	524 PRATO CT, DELAWARE, OH 43015-7693
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
Nov 10, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Dec 21, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 29, 2019	Limited Warranty Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC
May 23, 2019	Warranty Deed, Transfer NVR TITLE, NVR TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2019 · Amount on File
Deed Sale	Aug 29, 2019 · Amount on File
Prior Sale	May 23, 2019 · Amount on File
Deed Document Number	201923365
Deed Book / Page	1659 / 2148
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	524 PRATO CT, DELAWARE, OH 43015-7693
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045417
Date	Nov 10, 2020
Book Page	1791/2563
Instrument	202000045417

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	ASHVILLE, AL 35953

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	346 Months
Due	Sep 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	524 PRATO CT, DELAWARE, OH 43015-7693
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055374
Date	Dec 21, 2021
Book Page	1932/10
Instrument	202100055374

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

August 2019: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	DELAWARE OH
Recording Date	Aug 29, 2019
Property Address	524 PRATO CT, DELAWARE, OH 43015-7693
Document Number	0000023365
Book / Page	1659 / 2148
Map Reference	MB 1601 PG 1818
Instrument Date	Aug 12, 2019
Instrument	201900023365
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	NVR TITLE AGENCY LLC

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
Address	524 PRATO CT, DELAWARE, OH 43015-7693

Mortgage

Document Number	0000023366
Date	Aug 29, 2019
Instrument	201900023366

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE OH
Recording Date	May 23, 2019
Property Address	524 PRATO CT, DELAWARE, OH 43015-7693
Document Number	0000012588
Book / Page	001637 / 002520
Instrument Date	May 15, 2019
Instrument	12588
Transaction Type	Transfer
Record Updated	Jun 5, 2019
Title Company	NVR TITLE, NVR TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	495 EXECUTIVE CAMPUS DR WESTERVILLE OH 430828870, WESTERVILLE, OH 43082-8870
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 524 Prato Ct was $9,272, up 4.6% from the year before.

Source: Delaware County assessment roll, as of May 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,272.00 (+4.58%)	$161,080 (-) Land $31,330 Building $129,750	$460,200 Land $89,500 Building $370,700
2024	$8,866.00 (+3.31%) Homeowner's exemption	$161,080 (-) Land $31,330 Building $129,750
2023	$8,582.00 Homeowner's exemption	$161,080 Land $31,330 Building $129,750	$460,200 Land $89,500 Building $370,700

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

FEMA maps place 524 Prato Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 3, 2026 · 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 Policies	11 units insured incl. 8 condo units

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 524 Prato Ct 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 97% of the US · lower than 85% 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	DEL-CO WATER COMPANY, INC. private · serves 150,000 people · EPA ID OH2101412
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Breezeline, Verizon.

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