Mercer County property record for 538 Willow St, Celina, OH 45822
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,176 sqft · built 1953 |
| Lot Size | 0.186 acres (8,113 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $113,000 (Mar 2017) |
| Tax Bill | $2,986 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Mar 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-300600.0000 |
| Primary APN | 27-300600.0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,176 sqft Living Area |
| Basement Area | 948 sqft |
| Finished Basement | 948 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Lot Area | 8,113 sqft (0.186 acres) |
| Lot Dimensions | 133 ft deep x 61 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 538 WILLOW ST |
|---|---|
| City | CELINA |
| State | OH |
| Zip | 45822-1545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODLAND SUBD ALSO E PT LOT 2 LOT#: 1 |
| Legal Subdivision | WOODLAND SUBD |
| Legal Lot Number | 2 |
| Jurisdiction | MERCER OH |
| Township / Civil Division | JEFFERSON |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 967500 |
Source: Mercer County records, as of July 7, 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 | 538 WILLOW ST, CELINA, OH 45822-1545 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFFTON |
| Mar 27, 2017 | Deed of Trust, Mortgage · ARM THE CITIZENS NATIONAL BANK OF BLUFFTON |
| Mar 24, 2017 | Sheriff's Deed, Foreclosure Foreclosure Auction |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2017 · Amount on Record |
| Deed Sale | Mar 24, 2017 · Amount on Record |
| Deed Document Number | 20171357 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 538 WILLOW ST, CELINA, OH 45822-1545 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 538 WILLOW ST, CELINA, OH 45822-1545 |
| Document Number | 202200002397 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 202200002397 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFFTON |
|---|---|
| Type | Bank |
| Address | BLUFFTON, OH 45817 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER OH |
| Property Address | 538 WILLOW ST, CELINA, OH 45822-1545 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 201700001379 |
|---|---|
| Date | Mar 27, 2017 |
| Instrument | 201700001379 |
| Name | THE CITIZENS NATIONAL BANK OF BLUFFTON |
|---|---|
| Type | Bank |
| Address | BLUFFTON, OH 45817 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Apr 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 6.75% |
| Index | 1-Year CMT |
| Max Rate | 10.7% |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | MERCER OH |
| Recording Date | Mar 24, 2017 |
| Property Address | 538 WILLOW ST, CELINA, OH 45822-1545 |
| Document Number | 201700001357 |
| Map Reference | MB5 PG19 |
| Instrument Date | Mar 1, 2017 |
| Instrument | 201700001357 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 538 WILLOW ST, CELINA, OH 45822-1545 |
Source: Mercer County assessment roll, as of February 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Mercer County |
| County Subdivision | Jefferson Township |
| Municipality | Celina City |
| Unified School District | Celina City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,986.00 | $75,500 (-) Land $11,690 Building $63,810 | |
| 2024 | $2,986.00 (+0.23%) | $75,500 (-) Land $11,690 Building $63,810 | |
| 2023 | $2,979.00 (+12.25%) | $75,500 (+28.47%) Land $11,690 Building $63,810 | $215,700 (+28.47%) Land $33,400 Building $182,300 |
| 2022 | $2,654.00 | $58,770 Land $7,490 Building $51,280 | |
| 2020 | $167,900 Land $21,400 Building $146,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 16, 2012
| 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CELINA serves 11,682 people · EPA ID OH5400011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 403 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Communications Fiber · Fixed Wireless | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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