Ross County property record for 640 E Water St, Chillicothe, OH 45601
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 974 sqft · built 1890 |
| Lot Size | 0.152 acres (6,630 sqft) |
| Owner | Company Name on File |
| Last Sale | $170,000 (Feb 2020) |
| Tax Bill | $718 (2025) |
| Deeds & Mortgages | Feb 2020 Sale Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-54-36-023.000 |
| Primary APN | 30-54-36-023.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 974 sqft Living Area |
| Gross Area | 1,794 sqft |
| 1st Floor Area | 974 sqft |
| Upper Floors Area | 736 sqft |
| Basement Area | 736 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 6,630 sqft (0.152 acres) |
| Lot Dimensions | 78 ft deep x 85 ft wide |
| Porch | Enclosed Porch |
| Heating System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 543602 |
|---|---|
| Street Address | 640 E WATER ST |
| City | CHILLICOTHE |
| State | OH |
| Zip | 45601-2758 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 640 E WATER ST R 84.6X78 54-36-23 17-3-388-389 |
| Legal Subdivision | GARFIELD ADD |
| Legal Lot Number | 55,56 |
| Jurisdiction | ROSS OH |
| Township / Civil Division | SCIOTO |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 956400 |
640 E Water St is owned by a company that bought it in February 2020.
Source: Ross County records, as of May 21, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 517, CIRCLEVILLE, OH 43113-0517 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 20, 2020 | Warranty Deed, Transfer TRANSCOUNTY TITLE AGENCY LLC, TRANSCOUNTY TITLE AGCY BOX |
| Jan 18, 2017 | Warranty Deed, Transfer THE SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 20, 2020 · Amount on File |
| Deed Sale | Feb 20, 2020 · Amount on File |
| Prior Sale | Feb 20, 2018 · Amount on File |
| Deed Document Number | 20201303 |
| Deed Book / Page | 538 / 5495 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROSS OH |
| Recording Date | Feb 20, 2020 |
| Property Address | 640 E WATER ST, CHILLICOTHE, OH 45601-2758 |
| Document Number | 0005385495 |
| Book / Page | 000538 / 005495 |
| Instrument Date | Feb 12, 2020 |
| Instrument | 1303 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2020 |
| Title Company | TRANSCOUNTY TITLE AGENCY LLC, TRANSCOUNTY TITLE AGCY BOX |
| Amount | Amount on Record |
|---|---|
| Tax | $680.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2150 N COURT ST CIRCLEVILLE OH 431139516, CIRCLEVILLE, OH 43113-9516 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROSS OH |
| Recording Date | Jan 18, 2017 |
| Property Address | 640 E WATER ST, CHILLICOTHE, OH 45601-2758 |
| Document Number | 0005002613 |
| Book / Page | 0500 / 2613 |
| Map Reference | VOL85 PG582 |
| Instrument Date | Jan 10, 2017 |
| Instrument | 201700000436 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 703, CIRCLEVILLE, OH 43113-0703 |
| Document Number | 201700000437 |
|---|---|
| Date | Jan 18, 2017 |
| Instrument | 201700000437 |
| Name | THE SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Jan 10, 2027 |
The 2025 property tax bill for 640 E Water St was $718.
Source: Ross County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Ross County |
| County Subdivision | Scioto Township |
| Municipality | Chillicothe City |
| Unified School District | Chillicothe City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $718.00 | $19,420 Land $4,700 Building $14,720 | $55,490 Land $13,430 Building $42,060 |
| 2023 | $550.00 (-0.18%) | $13,270 (-) Land $4,700 Building $8,570 | |
| 2022 | $551.00 | $13,270 Land $4,700 Building $8,570 | $37,920 Land $13,430 Building $24,490 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 640 E Water St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 7, 2023 · 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 | 2 in force |
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 risk around 640 E 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHILLICOTHE CITY PWS serves 21,725 people · EPA ID OH7100112 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 641 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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