Delaware County property record for 538 Rutherford Ave, Delaware, OH 43015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,838 sqft · built 1973 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $317,000 (Jun 2022) |
| Tax Bill | $4,663 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 519-311-01-006-000 |
| Primary APN | 519-311-01-006-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,838 sqft Living Area |
| Gross Area | 2,756 sqft |
| 1st Floor Area | 1,146 sqft |
| Upper Floors Area | 692 sqft |
| Basement Area | 638 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 9,017 sqft (0.207 acres) |
| Lot Dimensions | 120 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 48 sqft |
| Patio Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 538 RUTHERFORD AVE |
|---|---|
| City | DELAWARE |
| State | OH |
| Zip | 43015-1155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 4441 |
| Legal Subdivision | HAYES COLONY |
| Legal Lot Number | 4441 |
| Jurisdiction | DELAWARE OH |
| Township / Civil Division | DELAWARE CITY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 10420 |
538 Rutherford Ave is owned and occupied by two individuals who bought it in June 2022.
Source: Delaware County records, as of June 3, 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 | 538 RUTHERFORD AVE, DELAWARE, OH 43015-1155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Apr 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Jun 13, 2022 | Survivorship Deed, Transfer · FHA Mortgage T2 FINANCIAL LLC |
| Oct 5, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| May 1, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK/CTRL OH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2022 · Amount on File |
| Deed Sale | Jun 13, 2022 · Amount on File |
| Prior Sale | Mar 10, 2008 · Amount on File |
| Deed Document Number | 202217708 |
| Deed Book / Page | 1971 / 1804 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Recording Date | May 19, 2026 |
| Property Address | 538 RUTHERFORD AVE, DELAWARE, OH 43015-1155 |
| Document Number | 0000012852 |
| Instrument Date | May 1, 2026 |
| Instrument | 202612852 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 538 RUTHERFORD AVE, DELAWARE, OH 43015-1155 |
| Document Number | 0000012852, |
|---|---|
| Date | May 19, 2026 |
| Instrument | 202612852 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Jun 1, 2052 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 538 RUTHERFORD AVE, DELAWARE, OH 43015-1155 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 538 RUTHERFORD AVE, DELAWARE, OH 43015-1155 |
| Document Number | 0000006935 |
|---|---|
| Date | Apr 12, 2024 |
| Book Page | 2084/2333 |
| Instrument | 202400006935 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85284 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 338 Months |
| Due | Jun 1, 2052 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | DELAWARE OH |
| Recording Date | Jun 13, 2022 |
| Property Address | 538 RUTHERFORD AVE, DELAWARE, OH 43015-1155 |
| Document Number | 0000017708 |
| Book / Page | 1971 / 1804 |
| Map Reference | MB 9 PG 105 |
| Instrument Date | May 25, 2022 |
| Instrument | 202200017708 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2022 |
| Title Company | NORTHWEST SELECT TITLE AGENCY, NORTHWEST SELECT TITLE AGENC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment 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 | Right of Survivorship |
| Address | 480 OLDE WORTHINGTON RD STE 300, 300, WESTERVILLE, OH 43082-9152 |
| Document Number | 0000017709 |
|---|---|
| Date | Jun 13, 2022 |
| Instrument | 202200017709 |
| Name | T2 FINANCIAL LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 538 RUTHERFORD AVE, DELAWARE, OH 43015-1155 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 538 RUTHERFORD AVE, DELAWARE, OH 43015-1155 |
| Document Number | 0000044121 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 1906/2607 |
| Instrument | 202100044121 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 18, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 538 RUTHERFORD AVE, DELAWARE, OH 43015-1155 |
| Document Number | 0000012909 |
| Instrument Date | May 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2018 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 538 RUTHERFORD AVE DELAWARE OH 430151155, DELAWARE, OH 43015-1155 |
| Document Number | 0000012909 |
|---|---|
| Date | May 21, 2018 |
| Book Page | 001571/002692 |
| Instrument | 12909 |
| Name | FIFTH THIRD BK/CTRL OH |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 538 Rutherford Ave was $4,663, up 5.4% from the year before.
Source: Delaware County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Delaware County |
| Municipality | Delaware City |
| Unified School District | Delaware City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,663.00 (+5.38%) | $93,740 (-) Land $18,100 Building $75,640 | $267,800 Land $51,700 Building $216,100 |
| 2024 | $4,425.00 (-0.2%) Homeowner's exemption | $93,740 (-) Land $18,100 Building $75,640 | |
| 2023 | $4,434.00 Homeowner's exemption | $93,740 Land $18,100 Building $75,640 | $267,800 Land $51,700 Building $216,100 |
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.
FEMA maps place 538 Rutherford Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.
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 | 3 in force |
| Nearby Flood Claims | 2 (2016–2017) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2017 · 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 risk around 538 Rutherford Ave 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 96% of the US · lower than 81% 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 | DELAWARE CITY PWS serves 43,895 people · EPA ID OH2100311 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2022–2024) 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.
Source: FCC Broadband Data Collection, based on 392 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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