5524 Cosgray Rd, Dublin, OH 43016 Property Records

Franklin County property record for 5524 Cosgray Rd, Dublin, OH 43016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,688 sqft · built 1960
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Last Sale	$422,500 (Aug 2025)
Tax Bill	$6,191 (2024)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`272-000275`

Property Details

APN / Parcel Number

Primary APN	`272-000275`
Alternative APN	`27200027500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,688 sqft Living Area
1st Floor Area	1,688 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2023
Architectural Style	Ranch
Exterior Material	Wood
Foundation Type	Raised
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5524 COSGRAY RD
City	DUBLIN
State	OH
Zip	43016-8732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COSGRAY RD ACRES .528 ENT 6953
Legal Subdivision	VIRGINIA MILITARY SURVEY #6953
Jurisdiction	FRANKLIN OH
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2046
Census Tract	6240

Owner

5524 Cosgray Rd is owned by two individuals who bought it in August 2025.

Source: Franklin County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1400 FORUM BLVD, 18, COLUMBIA, MO 65203-1319
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2023	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jul 19, 2021	Intrafamily Transfer, Transfer · VA Mortgage CALIBER HOME LOANS INC
Jan 16, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jul 19, 2021	Affidavit of Death of Joint Tenant, Transfer PM TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2025 · Amount on File
Deed Sale	Aug 8, 2025 · Amount on File
Prior Sale	Feb 10, 2023 · Amount on File
Deed Document Number	202584905
Prior Transfer Date	Jun 13, 2020
Prior Transfer Doc	0000127059
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN OH
Recording Date	Feb 10, 2023
Property Address	5524 COSGRAY RD, DUBLIN, OH 43016-8732
Document Number	0000013589
Instrument Date	Feb 8, 2023
Instrument	202302100013589
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	FIRST TITLE INSURANCE AGENCY INC, FIRST OHIO TTL INS AGCY LTD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$389.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5524 COSGRAY RD, DUBLIN, OH 43016-8732

Mortgage

Document Number	0000013590
Date	Feb 10, 2023
Instrument	202302100013590

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN OH
Recording Date	Jul 19, 2021
Property Address	5524 COSGRAY RD, DUBLIN, OH 43016-8732
Document Number	0000127062
Instrument Date	May 24, 2021
Instrument	202107190127062
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	PM TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship

Mortgage

Document Number	0000127063
Date	Jul 19, 2021
Instrument	202107190127063

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN OH
Property Address	5524 COSGRAY RD, DUBLIN, OH 43016-8732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006348
Date	Jan 16, 2018
Instrument	201801160006348

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 29, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	FRANKLIN OH
Recording Date	Jul 19, 2021
Property Address	5524 COSGRAY RD, DUBLIN, OH 43016-8732
Document Number	0000127059
Instrument Date	Jun 13, 2020
Instrument	202107190127059
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	PM TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Franklin County
County Subdivision	Washington Township
Unified School District	Hilliard City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$104,370 (-) Land $16,100 Building $88,270	$298,200 Land $46,000 Building $252,200
2024	$6,191.00 (+38.19%) Homeowner's exemption	$104,370 (+23.53%) Land $16,100 Building $88,270
2023	$4,480.00 (-7.4%)	$84,490 (+20.8%) Land $16,100 Building $68,390	$298,200 Land $46,000 Building $252,200
2022	$4,838.00	$69,940 Land $12,080 Building $57,860
2020			$199,800 Land $34,500 Building $165,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5524 Cosgray Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 4, 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

Wildfire risk around 5524 Cosgray Rd 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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	COLUMBUS PUBLIC WATER SYSTEM serves 1,309,468 people · EPA ID OH2504412
Water Source	Surface water
Last State Inspection	Dec 2022
Lead	1 ppb (2021–2023) 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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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