Clinton County property record for 531 E Locust St, Wilmington, OH 45177
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,376 sqft · built 1942 |
| Lot Size | 0.408 acres (17,772 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,469 (2025) |
| Deeds & Mortgages | Aug 2011 Foreclosure Nov 2005 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 025312-5 |
| Primary APN | 025312-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,376 sqft Living Area |
| Gross Area | 3,912 sqft |
| 1st Floor Area | 1,424 sqft |
| Basement Area | 1,536 sqft |
| Unfinished Basement | 1,344 sqft |
| Game Room | Game Room |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 17,772 sqft (0.408 acres) |
| Lot Dimensions | 298 ft deep x 60 ft wide |
| Terrain | High |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 550 sqft |
| Porch | Slab |
| Porch Area | 584 sqft |
| Deck Area | 576 sqft |
| Patio Area | 952 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 025312-5 |
|---|---|
| Street Address | 531 E LOCUST ST |
| City | WILMINGTON |
| State | OH |
| Zip | 45177-2309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EXT LT18&19 |
| Legal Block | 59 |
| Legal Lot Number | 18&19 |
| Jurisdiction | CLINTON OH |
| Township / Civil Division | WILMINGTON |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 964502 |
531 E Locust St is owned and occupied by an individual who acquired it in August 2011.
Source: Clinton County records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 531 E LOCUST ST, WILMINGTON, OH 45177-2309 |
| 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.
| Date | Document |
|---|---|
| Aug 17, 2011 | Sheriff's Deed, Foreclosure |
| Nov 4, 2005 | Warranty Deed, Transfer · Conventional Mortgage AAMES HOME LOAN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2011 |
| Deed Sale | Aug 17, 2011 |
| Prior Sale | Nov 4, 2005 · Amount on File |
| Deed Document Number | 20113357 |
| Deed Book / Page | 814 / 635 |
| Record Updated | Sep 20, 2026 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | CLINTON OH |
| Recording Date | Aug 17, 2011 |
| Property Address | 531 E LOCUST ST, WILMINGTON, OH 45177-2309 |
| Document Number | 000814/635 |
| Book / Page | 814 / 635 |
| Instrument Date | Aug 16, 2011 |
| Instrument | 2011-00003357 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3701 REGENT BLVD STE 200, 200, IRVING, TX 75063-2296 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLINTON OH |
| Recording Date | Nov 4, 2005 |
| Property Address | 531 E LOCUST ST, WILMINGTON, OH 45177-2309 |
| Document Number | 000632/249 |
| Book / Page | 632 / 249 |
| Instrument Date | Sep 30, 2005 |
| Instrument | 2005-00082584 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2025 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 531 E LOCUST ST, WILMINGTON, OH 45177-2309 |
| Document Number | 200500082585 |
|---|---|
| Date | Nov 4, 2005 |
| Instrument | 2005-00082585 |
| Name | AAMES HOME LOAN |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.81% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 6 Months |
| Index | LIBOR |
| Document Number | 000632/271 |
|---|---|
| Date | Nov 4, 2005 |
| Book Page | 632/271 |
| Instrument | 2005-00082586 |
| Name | AAMES FUNDING CORP |
|---|---|
| Type | Subprime Lender |
| Address | 350 S GRAND AVE FL 42, LOS ANGELES, CA 90071 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Oct 1, 2020 |
The 2025 property tax bill for 531 E Locust St was $2,469 with a homeowner's exemption, down 8.6% from the year before.
Source: Clinton County assessment roll, as of March 10, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Clinton County |
| Municipality | Wilmington City |
| Unified School District | Wilmington City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,469.00 (-8.59%) Homeowner's exemption | $80,330 (-) Land $9,210 Building $71,120 | $229,500 (-) Land $26,300 Building $203,200 |
| 2024 | $2,701.00 (+4.12%) Homeowner's exemption | $80,330 (-) Land $9,210 Building $71,120 | $229,500 (-) Land $26,300 Building $203,200 |
| 2023 | $2,594.00 (+35.32%) Homeowner's exemption | $80,330 (+57.26%) Land $9,210 Building $71,120 | $229,500 Land $26,300 Building $203,200 |
| 2022 | $1,917.00 Homeowner's exemption | $51,080 Land $8,400 Building $42,680 | |
| 2020 | $145,940 Land $24,000 Building $121,940 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 531 E 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 November 18, 2021
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 531 E 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WILMINGTON CITY PWS serves 12,401 people · EPA ID OH1401211 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 257 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Omni Fiber Fiber | 10,000 / 10,000 |
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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