638 Cutlip Rd, Jackson, OH 45640 Property Records

Jackson County property record for 638 Cutlip Rd, Jackson, OH 45640

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,800 sqft · built 1996
Lot Size	5.46 acres (237,838 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Aug 2003)
Tax Bill	$3,381 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H120060009103`

Property Details

APN / Parcel Number

Primary APN	`H120060009103`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,800 sqft Living Area
1st Floor Area	1,300 sqft
Basement Area	1,500 sqft
Finished Basement	1,500 sqft
Family Room	Family Room

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	237,838 sqft (5.46 acres)
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	100 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	638 CUTLIP RD
City	JACKSON
State	OH
Zip	45640-9451
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SALT RESERVE #88 TRACT #2
Legal Range	18
Legal Township	07
Legal Section	00
Legal Subdivision	SCIOTO SALT RESERVE
Legal Tract	2
Jurisdiction	JACKSON OH
Township / Civil Division	LICK
Census Block Group	2
Census Block	2022
Census Tract	957700

Owner

638 Cutlip Rd is owned and occupied by an individual who bought it in August 2003.

Source: Jackson County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	638 CUTLIP RD, JACKSON, OH 45640-9451
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
Apr 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 30, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 22, 2017	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2003 · Amount on File
Deed Sale	Aug 25, 2003 · Amount on File
Prior Sale	Aug 20, 1998 · Amount on File
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OH
Property Address	638 CUTLIP RD, JACKSON, OH 45640-9451
Transaction Type	Mortgage
Record Updated	May 10, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000164/545
Date	Apr 25, 2022
Book Page	164/545
Instrument	202200006044

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OH
Property Address	638 CUTLIP RD, JACKSON, OH 45640-9451
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	152/1561
Date	Dec 30, 2020
Book Page	152/1561
Instrument	202000004089

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	138 Months
Due	Jun 1, 2032

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OH
Property Address	638 CUTLIP RD, JACKSON, OH 45640-9451
Transaction Type	Mortgage
Record Updated	Jan 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700000868
Date	Mar 22, 2017
Book Page	123/1636
Instrument	201700000868

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 638 Cutlip Rd was $3,381.

Source: Jackson County assessment roll, as of March 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Jackson County
County Subdivision	Lick Township
Unified School District	Jackson City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,381.00	$74,740 Land $11,320 Building $63,420	$213,540 Land $32,330 Building $181,210
2023	$3,505.00 (+7.15%)	$74,740 (+8.3%) Land $11,320 Building $63,420
2022	$3,271.00	$69,010 Land $11,390 Building $57,620
2020			$213,540 Land $32,330 Building $181,210

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 638 Cutlip Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

Source: FEMA National Flood Hazard Layer, effective December 18, 2009 · 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	1 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2025 · 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 638 Cutlip Rd is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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