5860 Smith Rd, Houston, OH 45333 Property Records

Shelby County property record for 5860 Smith Rd, Houston, OH 45333

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,472 sqft · built 1981
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Oct 2016)
Tax Bill	$2,081 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-2516226.004`

Property Details

APN / Parcel Number

Primary APN	`22-2516226.004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,472 sqft Living Area
1st Floor Area	1,472 sqft
Basement Area	1,472 sqft
Unfinished Basement	1,472 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Brick
Roof Material	Shingle
Lot Area	52,708 sqft (1.21 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Patio Area	468 sqft
Gazebo	125 sqft
Pole Barn	1,792 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	5860 SMITH RD
City	HOUSTON
State	OH
Zip	45333-8609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHOLE TRACT F OF DILL SURVEY 180-25-16-226-004PLAT V6 P314
Legal Tract	F
Jurisdiction	SHELBY OH
Township / Civil Division	LORAMIE
Census Block Group	4
Census Block	4017
Census Tract	972300

Owner

5860 Smith Rd is owned and occupied by two individuals who bought it in October 2016.

Source: Shelby County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5860 SMITH RD, HOUSTON, OH 45333-8609
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 1, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage WESTERN OHIO MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2016 · Amount on File
Deed Sale	Oct 20, 2016 · Amount on File
Prior Sale	Apr 10, 1992 · Amount on File
Deed Document Number	20165974
Deed Book / Page	2056 / 678
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY OH
Property Address	5860 SMITH RD, HOUSTON, OH 45333-8609
Transaction Type	Mortgage
Record Updated	Mar 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5860 SMITH RD, HOUSTON, OH 45333-8609

Mortgage

Document Number	02307/3591
Date	Mar 1, 2022
Book Page	2307/3591
Instrument	202201150

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	478 Months
Due	Jan 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY OH
Property Address	5860 SMITH RD, HOUSTON, OH 45333-8609
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2215/302
Date	Apr 8, 2020
Book Page	2215/302
Instrument	202000001888

Lender

Name	WESTERN OHIO MORTGAGE CORP
Type	Mortgage Company
Address	SIDNEY, OH 45365

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5860 Smith Rd was $2,081 with a homeowner's exemption, down 7.1% from the year before.

Source: Shelby County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Shelby County
County Subdivision	Loramie Township
Unified School District	Hardin-Houston Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,081.00 (-7.06%)	$66,450 (-) Land $11,680 Building $54,770
2024	$2,239.00 (-6.67%) Homeowner's exemption	$66,450 (-) Land $11,680 Building $54,770
2023	$2,399.00 (+9.19%) Homeowner's exemption	$66,450 (+30.17%) Land $11,680 Building $54,770	$189,850 Land $33,370 Building $156,480
2022	$2,197.00 Homeowner's exemption	$51,050 Land $9,480 Building $41,570
2020			$145,870 Land $27,090 Building $118,780

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 5860 Smith Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · 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	1 (1980)
Most Recent Claim	Jun 1980 · rainfall accumulation

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 5860 Smith 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NKTELCO - Goldstar Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50
Watch TV Fixed Wireless	400 / 40

Cell Coverage

5G (outdoors only) and 4G LTE

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