565 Water St, Philo, OH 43771 Property Records

Muskingum County property record for 565 Water St, Philo, OH 43771

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1968
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$109,500 (Jan 2020)
Tax Bill	$1,300 (2025)
Deeds & Mortgages	Jan 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-21-11-21-000`

Property Details

APN / Parcel Number

Primary APN	`20-21-11-21-000`
Alternative APN	`018413-5`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Conventional
Exterior Material	Wood Siding
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Patio Area	180 sqft
Canopy	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	018413-5
Street Address	565 WATER ST
City	PHILO
State	OH
Zip	43771-3301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 SQ 21 PHILO 66 X 132
Legal Lot Number	9
Jurisdiction	MUSKINGUM OH
Township / Civil Division	HARRISON
Census Block Group	2
Census Block	2020
Census Tract	912500

Owner

565 Water St is owned and occupied by an individual who bought it in January 2020.

Source: Muskingum County records, as of July 14, 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 File
Mailing Address	565 WATER ST, PHILO, OH 43771-3301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2020 · Amount on File
Deed Sale	Jan 16, 2020 · Amount on File
Deed Book / Page	2893 / 262
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKINGUM OH
Recording Date	Jan 16, 2020
Property Address	565 WATER ST, PHILO, OH 43771-3301
Document Number	002893/262
Book / Page	2893 / 262
Map Reference	MB AO PG 194
Instrument Date	Jan 14, 2020
Transaction Type	Transfer
Record Updated	Mar 4, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 WATER ST, PHILO, OH 43771-3301

Mortgage

Document Number	0002893264
Date	Jan 16, 2020
Instrument	2893/264

Lender

Name	LCJ FINANCIAL GROUP INC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 565 Water St was $1,300.

Source: Muskingum County assessment roll, as of March 5, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Muskingum County
County Subdivision	Harrison Township
Municipality	Philo Village
Unified School District	Franklin Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,300.00	$38,465 Land $2,870 Building $35,595
2024			$109,900 Land $8,200 Building $101,700
2023	$1,379.00	$34,475 Land $2,100 Building $32,375
2021			$98,500 Land $6,000 Building $92,500

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

FEMA maps place 565 Water St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective July 26, 2021 · 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 Claims	4 (1980–2008)
Most Recent Claim	Mar 2008 · river or lake 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

Wildfire risk around 565 Water St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	PHILO private · serves 974 people · EPA ID OH6001912
Water Source	Groundwater
Last State Inspection	Jun 2023
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	3 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 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Smart Way Communications Fixed Wireless	250 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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