5400 Hester Rd, Oxford, OH 45056 Property Records

Butler County property record for 5400 Hester Rd, Oxford, OH 45056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,623 sqft · built 1998
Lot Size	0.256 acres (11,156 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,667 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`H4000-020-000-030`

Property Details

APN / Parcel Number

Primary APN	`H4000-020-000-030`
Alternative APNs	`0001501` `469045` `472909`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,623 sqft Living Area
Gross Area	1,647 sqft
1st Floor Area	1,082 sqft
Basement Area	541 sqft
Finished Basement	541 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	11,156 sqft (0.256 acres)
Lot Dimensions	150 ft deep x 70 ft wide
View / Lot	Neighborhood / Spot
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Stoop
Porch Area	24 sqft
Deck Area	Deck Area
Patio Area	623 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5400 HESTER RD
City	OXFORD
State	OH
Zip	45056-1081
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3186 ENT
Legal Subdivision	OXFORD
Legal Lot Number	3186
Jurisdiction	BUTLER OH
Township / Civil Division	OXFORD
Census Block Group	2
Census Block	2015
Census Tract	10102

Owner

Source: Butler County records, as of October 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	5400 HESTER RD, OXFORD, OH 45056-1081
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 1, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 28, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage MIAMI UNIVERSITY COMMUNITY FCU
Jul 3, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 6, 2024	Deed of Trust, Mortgage · Line of Credit MIAMI UNIVERSITY COMMUNITY FCU
Oct 9, 2020	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020
Deed Sale	Oct 9, 2020
Prior Sale	Jul 7, 2008 · Amount on Record
Deed Document Number	202047101
Deed Book / Page	9523 / 185
Prior Transfer Date	Jan 8, 2008
Prior Transfer Doc	0000008796
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5400 HESTER RD, OXFORD, OH 45056-1081
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5400 HESTER RD, OXFORD, OH 45056-1081

Mortgage

Document Number	0000040711
Date	Jul 15, 2021
Book Page	9687/1408
Instrument	2021-00040711

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5400 HESTER RD, OXFORD, OH 45056-1081
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5400 HESTER RD, OXFORD, OH 45056-1081

Mortgage

Document Number	0000062094
Date	Nov 1, 2021
Book Page	9750/1119
Instrument	2021-00062094

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Nov 1, 2050

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5400 HESTER RD, OXFORD, OH 45056-1081
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019726
Date	Jun 28, 2023
Book Page	9986/707
Instrument	2023-00019726

Lender

Name	MIAMI UNIVERSITY COMMUNITY FCU
Type	Credit Union
Address	OXFORD, OH 45056

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	48 Months
Due	Jun 15, 2027

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5400 HESTER RD, OXFORD, OH 45056-1081
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5400 HESTER RD, OXFORD, OH 45056-1081

Mortgage

Document Number	0000020259
Date	Jul 3, 2023
Book Page	9988/31
Instrument	2023-00020259

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Nov 1, 2050

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER OH
Property Address	5400 HESTER RD, OXFORD, OH 45056-1081
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025055
Date	Aug 6, 2024
Book Page	10117/748
Instrument	2024-00025055

Lender

Name	MIAMI UNIVERSITY COMMUNITY FCU
Type	Credit Union
Address	OXFORD, OH 45056

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER OH
Recording Date	Oct 9, 2020
Property Address	5400 HESTER RD, OXFORD, OH 45056-1081
Document Number	0000047101
Book / Page	9523 / 185
Instrument Date	Oct 5, 2020
Instrument	2020-00047101
Transaction Type	Transfer
Record Updated	Feb 14, 2022
Title Company	PREMIER SERVICE TTL AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5400 HESTER RD, 5400, OXFORD, OH 45056-1081

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5400 HESTER RD, OXFORD, OH 45056-1081
Investor	Possibly a Property Investor

Mortgage

Document Number	0009523188
Date	Oct 9, 2020
Instrument	9523/188

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Butler County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Butler County
County Subdivision	Oxford Township
Municipality	Oxford City
Unified School District	Talawanda City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,667.00 (+8.77%)	$69,320 (-) Land $10,930 Building $58,390	$198,050 (-) Land $31,230 Building $166,820
2023	$2,452.00 (+31.76%)	$69,320 (+44.6%) Land $10,930 Building $58,390	$198,050 (+44.59%) Land $31,230 Building $166,820
2022	$1,861.00	$47,940 Land $10,930 Building $37,010
2020			$136,970 Land $31,230 Building $105,740

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.

Flood

Source: FEMA National Flood Hazard Layer, effective May 31, 2026

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.

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	OXFORD CITY PWS serves 24,000 people · EPA ID OH0902312
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	2 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	None 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 396 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions.

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