56 3rd St, Rayland, OH 43943 Property Records

Jefferson County property record for 56 3rd St, Rayland, OH 43943

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,568 sqft · built 2008
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jun 2026)
Tax Bill	$1,154 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-00957-000`

Property Details

APN / Parcel Number

Primary APN	`41-00957-000`
Alternative APN	`00957`

Interior

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

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Modular
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Area	512 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	56 3RD ST
City	RAYLAND
State	OH
Zip	43943-7807
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	49 UPLAND PARK 40X120 MAP-41-22A0-06400
Legal Subdivision	UPLAND PARK
Jurisdiction	JEFFERSON OH
Township / Civil Division	WARREN
Census Block Group	2
Census Block	2027
Census Tract	12200

Owner

Source: Jefferson County assessment roll, as of April 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	56 3RD ST, RAYLAND, OH 43943-7807
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Jun 15, 2026	Warranty Deed, Transfer · FHA Mortgage LOWER LLC
Nov 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Deed Document Number	2026413734
Deed Book / Page	1545 / 2151
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON OH
Recording Date	Jul 7, 2026
Property Address	56 3RD ST, RAYLAND, OH 43943-7807
Document Number	0000414462
Book / Page	1545 / 5708
Instrument Date	Jun 12, 2026
Instrument	2026414462
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	NORTHWEST AR TITLE, NORTHWEST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 3RD ST, RAYLAND, OH 43943-7807

Mortgage

Document Number	0000414462,
Date	Jul 7, 2026
Book Page	1545/5708
Instrument	2026414462

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2036

Interest

Rate	6.36%
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON OH
Recording Date	Jun 15, 2026
Property Address	56 3RD ST, RAYLAND, OH 43943-7807
Document Number	0000413734
Book / Page	1545 / 2151
Instrument Date	Jun 12, 2026
Instrument	2026413734
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	NORWEST TITLE, NORTHWEST TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$64,640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	56 3RD ST, RAYLAND, OH 43943-7807

Mortgage

Document Number	0000413735,
Date	Jun 15, 2026
Instrument	2026413735

Lender

Name	LOWER LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

Mortgage

Document Number	0000413736,
Date	Jun 15, 2026
Book Page	1545/2176
Instrument	2026413736

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Jul 1, 2036

Interest

Rate	6.3%
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON OH
Property Address	56 3RD ST, RAYLAND, OH 43943-7807
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	THE TITLE COMPANY LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1393/617
Date	Nov 19, 2019
Book Page	1393/617
Instrument	350412

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of April 7, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Jefferson County
County Subdivision	Warren Township
Unified School District	Buckeye Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,154.00	$33,390 (-) Land $1,946 Building $31,444
2024	$1,154.00 (-19.58%)	$33,390 (+13.6%) Land $1,946 Building $31,444	$95,400 (+13.6%) Land $5,560 Building $89,840
2022	$1,435.00	$29,393 Land $1,680 Building $27,713
2021			$83,980 Land $4,800 Building $79,180

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, 2006 · 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	8 in force
Nearby Flood Claims	23 (1979–2018)
Claims Outside the SFHA	12 of 23
Most Recent Claim	Feb 2018 · Severe Storms, Landslides, And Mudslides
Claims by Event	Severe Storms And Flooding, Sep 2004 · 18 claims

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

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

Water System	WARREN WATER AUTHORITY private · serves 481 people · EPA ID OH4102903
Water Source	Purchased groundwater from YORKVILLE VILLAGE PWS
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Mar 2025 Lead service line inventory Oct 2024
Monitoring and Reporting	13 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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