5245 Center Rd, Philo, OH 43771 Property Records

Muskingum County property record for 5245 Center Rd, Philo, OH 43771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,463 sqft · built 1901
Lot Size	1.35 acres (58,806 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Oct 2024)
Tax Bill	$1,713 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Oct 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`08-20-17-73-000`

Property Details

APN / Parcel Number

Primary APN	`08-20-17-73-000`
Alternative APN	`012308-3`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,463 sqft Living Area
1st Floor Area	1,463 sqft
Basement Area	1,448 sqft
Unfinished Basement	1,500 sqft
Family Room	Family Room

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Wood Siding
Lot Area	58,806 sqft (1.35 acres)
Lot Dimensions	1.4 ft deep x 1.4 ft wide
Terrain	Rolling
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	200 sqft
Deck Area	112 sqft
Patio Area	120 sqft
Canopy	36 sqft
Lean-To	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	012308-3
Street Address	5245 CENTER RD
City	PHILO
State	OH
Zip	43771-9779
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R 13 TP 11 SEC 17 N E N E PT 1.35A
Legal Range	13
Legal Township	11
Legal Section	17
Jurisdiction	MUSKINGUM OH
Township / Civil Division	BRUSH CREEK
Census Block Group	1
Census Block	1042
Census Tract	912400

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	5245 CENTER RD, PHILO, OH 43771-9779
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2017	Deed of Trust, Mortgage · Line of Credit THE COMMUNITY BANK
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES STATE BANK
Oct 24, 2018	Deed of Trust, Mortgage · Line of Credit THE COMMUNITY BANK
May 3, 2012	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK
May 21, 2012	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK
Jun 6, 2014	Deed of Trust, Mortgage · Line of Credit THE COMMUNITY BANK
Oct 30, 2024	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2024 · Amount on Record
Deed Sale	Oct 30, 2024 · Amount on Record
Deed Document Number	20249527
Deed Book / Page	3234 / 464
Prior Transfer Date	Jun 1, 2010
Prior Transfer Doc	0002283/92
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKINGUM OH
Property Address	5245 CENTER RD, PHILO, OH 43771-9779
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002744/597
Date	Sep 6, 2017
Book Page	2744/597
Instrument	201700008958

Lender

Name	THE COMMUNITY BANK
Type	Bank
Address	ZANESVILLE, OH 43701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 5, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKINGUM OH
Property Address	5245 CENTER RD, PHILO, OH 43771-9779
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002949/418
Date	Oct 26, 2020
Book Page	2949/418

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	NEW LEXINGTON, OH 43764

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 19, 2022
Min Rate At Change	2.75%
Max Rate At Change	3.75%
Max Rate	6.75%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKINGUM OH
Property Address	5245 CENTER RD, PHILO, OH 43771-9779
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002816/507
Date	Oct 24, 2018
Book Page	2816/507

Lender

Name	THE COMMUNITY BANK
Type	Bank
Address	ZANESVILLE, OH 43701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 25, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKINGUM OH
Property Address	5245 CENTER RD, PHILO, OH 43771-9779
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002397/334
Date	May 3, 2012
Book Page	2397/334
Instrument	201200005339

Lender

Name	COMMUNITY BANK
Type	Bank
Address	ZANESVILLE, OH 43701

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKINGUM OH
Property Address	5245 CENTER RD, PHILO, OH 43771-9779
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002400/360
Date	May 21, 2012
Book Page	2400/360
Instrument	201200006111

Lender

Name	COMMUNITY BANK
Type	Bank
Address	ZANESVILLE, OH 43701

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKINGUM OH
Property Address	5245 CENTER RD, PHILO, OH 43771-9779
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002537/047
Date	Jun 6, 2014
Book Page	2537/047
Instrument	201400005196

Lender

Name	THE COMMUNITY BANK
Address	ZANESVILLE, OH 43701

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKINGUM OH
Recording Date	Oct 30, 2024
Property Address	5245 CENTER RD, PHILO, OH 43771-9779
Document Number	003234/464
Book / Page	3234 / 464
Instrument Date	Oct 28, 2024
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	5245 CENTER RD, PHILO, OH 43771-9779

Mortgage

Document Number	0003234466
Date	Oct 30, 2024
Instrument	3234/466

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Muskingum County
County Subdivision	Brush Creek Township
Unified School District	Franklin Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,713.00 (+99.19%)	$59,850 (+126.49%) Land $4,130 Building $55,720
2024			$171,000 (+126.49%) Land $11,800 Building $159,200
2023	$860.00	$26,425 Land $3,535 Building $22,890
2021			$75,500 Land $10,100 Building $65,400

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (1998–2012)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2012 · rainfall accumulation

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	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	MUSKINGUM COUNTY WATER - SE private · serves 21,540 people · EPA ID OH6000412
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2017
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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