540 Middle St, Polk, OH 44866 Property Records

Ashland County property record for 540 Middle St, Polk, OH 44866

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 1952
Lot Size	0.509 acres (22,176 sqft)
Owner	2 Individual Names on File
Last Sale	$20,000 (May 1994)
Tax Bill	$1,229 (2025)
Deeds & Mortgages	Nov 2005 Line of Credit Aug 2006 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D14-069-0-0156-00`

Property Details

APN / Parcel Number

Primary APN	`D14-069-0-0156-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,616 sqft Living Area
1st Floor Area	1,616 sqft
Basement Area	1,568 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	22,176 sqft (0.509 acres)
Lot Dimensions	168 ft deep x 132 ft wide
Garage Type	Mixed
Garage Area	2,736 sqft
Parking Spaces	10 Parking Spaces
Deck Area	128 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	540 MIDDLE ST
City	POLK
State	OH
Zip	44866-9786
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	540 MIDDLE ST R=69 LOT 197
Legal Lot Number	197
Jurisdiction	ASHLAND OH
Township / Civil Division	JACKSON
Census Block Group	2
Census Block	2064
Census Tract	970102

Owner

Source: Ashland County records, as of February 9, 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	540 MIDDLE ST, POLK, OH 44866-9786
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2005	Deed of Trust, Mortgage · Line of Credit BENEFICIAL OHIO INC
Aug 23, 2006	Deed of Trust, Mortgage · Line of Credit BENEFICIAL OHIO INC
Jun 28, 2007	Deed of Trust, Mortgage BENEFICIAL OHIO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 1994 · Amount on File
Deed Sale	May 27, 1994 · Amount on File
Deed Document Number	482
Record Updated	Jun 8, 2026

November 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND OH
Property Address	540 MIDDLE ST, POLK, OH 44866-9786
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000482/732
Date	Nov 9, 2005
Book Page	482/732
Instrument	200500010054

Lender

Name	BENEFICIAL OHIO INC
Type	Funding / Finance Company
Address	ASHLAND, OH 44805

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND OH
Property Address	540 MIDDLE ST, POLK, OH 44866-9786
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000518/812
Date	Aug 23, 2006
Book Page	518/812
Instrument	200600006762

Lender

Name	BENEFICIAL OHIO INC
Type	Funding / Finance Company
Address	MANSFIELD, OH 44906

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND OH
Property Address	540 MIDDLE ST, POLK, OH 44866-9786
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000554/721
Date	Jun 28, 2007
Book Page	554/721
Instrument	200700004512

Lender

Name	BENEFICIAL OHIO INC
Type	Funding / Finance Company
Address	MANSFIELD, OH 44906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2037

Tax Assessment & Valuation

Source: Ashland County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Ashland County
County Subdivision	Jackson Township
Municipality	Polk Village
Unified School District	Mapleton Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,229.00 (-1.76%) Homeowner's exemption	$44,760 (-) Land $4,060 Building $40,700
2023	$1,251.00 (+0.16%) Homeowner's exemption	$44,760 (+1%) Land $4,060 Building $40,700	$127,870 (+1%) Land $11,590 Building $116,280
2022	$1,249.00 Homeowner's exemption	$40,690 Land $3,690 Building $37,000
2020			$116,250 Land $10,540 Building $105,710

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2009 · 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	1 in force

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	0.01% 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	RURAL LORAIN CO. WATER A serves 73,125 people · EPA ID OH4701803
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 25 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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