5520 McCartney Rd, Sandusky, OH 44870 Property Records

Erie County property record for 5520 McCartney Rd, Sandusky, OH 44870

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,604 sqft · built 1979
Lot Size	0.459 acres (19,998 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Jul 2018)
Tax Bill	$2,342 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Apr 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`60-00519-000`

Property Details

APN / Parcel Number

Primary APN	`60-00519-000`
Alternative APN	`001545-3`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,604 sqft Living Area
1st Floor Area	1,604 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	19,998 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	1,252 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	417 sqft
Porch	Slab
Porch Area	434 sqft
Patio Area	283 sqft
Shed	1 Shed
Shed Area	115 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	001545-3
Street Address	5520 MCCARTNEY RD
City	SANDUSKY
State	OH
Zip	44870-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 COLD CREEK ACRES
Legal Subdivision	HEYWOODS SUBDIVISION
Jurisdiction	ERIE OH
Township / Civil Division	SANDUSKY
Census Block Group	2
Census Block	2017
Census Tract	41702

Owner

Source: Erie County records, as of October 15, 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	Individual Name on Record
Mailing Address	5520 MCCARTNEY RD, SANDUSKY, OH 44870-1534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Deed of Trust, Mortgage · Line of Credit VACATIONLAND FEDERAL CREDIT UNION
Apr 11, 2023	Transfer on Death Deed, Transfer
Jul 5, 2018	Warranty Deed, Transfer · Conventional Mortgage VACATIONLAND FCU
Jan 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2018 · Amount on Record
Deed Sale	Jul 5, 2018 · Amount on Record
Prior Sale	Oct 3, 2001 · Amount on Record
Deed Document Number	20185844
Last Transfer Date	Aug 8, 2024
Transfer Doc	0000005640
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE OH
Recording Date	Oct 6, 2026
Property Address	5520 MCCARTNEY RD, SANDUSKY, OH 44870-1534
Document Number	0000008623
Instrument Date	Oct 2, 2026
Instrument	20268623
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5520 MCCARTNEY RD, SANDUSKY, OH 44870-1534

Mortgage

Document Number	0000008623,
Date	Oct 6, 2026
Instrument	20268623

Lender

Name	VACATIONLAND FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ERIE OH
Recording Date	Apr 11, 2023
Property Address	5520 MCCARTNEY RD, SANDUSKY, OH 44870-1534
Document Number	0000002448
Map Reference	VOL 23 PG 8
Instrument Date	Mar 14, 2023
Instrument	202302448
Transaction Type	Transfer
Record Updated	Apr 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5520 MCCARTNEY RD, SANDUSKY, OH 44870-1534

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE OH
Recording Date	Jul 5, 2018
Property Address	5520 MCCARTNEY RD, SANDUSKY, OH 44870-1534
Document Number	0000005844
Map Reference	VOL23 PG8
Instrument Date	Jun 29, 2018
Instrument	201805844
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	SOUTHERN TITLE OF HOIO LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5520 MCCARTNEY RD, SANDUSKY, OH 44870-1534

Mortgage

Document Number	0000005845
Date	Jul 5, 2018
Instrument	201805845

Lender

Name	VACATIONLAND FCU
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ERIE OH
Recording Date	Jan 25, 2018
Property Address	5520 MCCARTNEY RD, SANDUSKY, OH 44870-1534
Document Number	0000000665
Instrument Date	Jan 12, 2018
Instrument	665
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	103 N HIDDEN BEACH RD MARBLEHEAD OH 434402522, MARBLEHEAD, OH 43440-2522
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Erie County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Erie County
Municipality	Sandusky City
Unified School District	Sandusky City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,342.00	$62,692 (-) Land $15,029 Building $47,663
2024	$2,342.00 (-2.9%) Homeowner's exemption	$62,692 (+29.85%) Land $15,029 Building $47,663	$179,120 (+29.84%) Land $42,940 Building $136,180
2023	$2,412.00 (+0.75%) Homeowner's exemption	$48,282 (-) Land $11,865 Building $36,417
2022	$2,394.00 Homeowner's exemption	$48,282 Land $11,865 Building $36,417
2021			$137,950 Land $33,900 Building $104,050

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 April 5, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	1 (2006)
Most Recent Claim	Jun 2006 · Severe Storms, Tornadoes, Straight Line Winds, And Flooding

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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SANDUSKY CITY serves 25,793 people · EPA ID OH2201411
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	5 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber · Cable in parts of the area	10,000 / 10,000
Omni Fiber Fiber	10,000 / 10,000

May also be available: Amplex Wireless, Verizon, Watch TV.

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