Delaware County property record for 6433 Merchant Rd, Delaware, OH 43015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,517 sqft · built 2019 |
| Lot Size | 2.06 acres (89,995 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $11,179 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Apr 2019 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 600-240-04-007-009 |
| Primary APN | 600-240-04-007-009 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,517 sqft Living Area |
| Gross Area | 5,250 sqft |
| 1st Floor Area | 1,885 sqft |
| Upper Floors Area | 632 sqft |
| Basement Area | 1,885 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Lot Area | 89,995 sqft (2.06 acres) |
| Garage Type | Attached |
| Garage Area | 848 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 512 sqft |
| Porch | Open Porch |
| Patio Area | 204 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Street Address | 6433 MERCHANT RD |
|---|---|
| City | DELAWARE |
| State | OH |
| Zip | 43015-9485 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LANDS SURVEY 2547 TRACT 3 |
| Legal Subdivision | ROBERT COOPERS |
| Legal Tract | 3 |
| Jurisdiction | DELAWARE OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 11412 |
6433 Merchant Rd is owned and occupied by two individuals.
Source: Delaware County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6433 MERCHANT RD, DELAWARE, OH 43015-9485 |
| 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.
| Date | Document |
|---|---|
| Sep 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMONWEALTH BANK |
| Apr 22, 2019 | Deed of Trust, Mortgage · Construction Mortgage FIRST COMMONWEALTH BANK |
| Mar 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMONWEALTH BANK |
| Oct 27, 2020 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 6433 MERCHANT RD, DELAWARE, OH 43015-9485 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2021 |
| Title Company | OHIO REAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000042564 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 1903/1537 |
| Instrument | 202100042564 |
| Name | FIRST COMMONWEALTH BANK |
|---|---|
| Type | Bank |
| Address | INDIANA, PA 15701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 6433 MERCHANT RD, DELAWARE, OH 43015-9485 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Title Company | TITLE FIRST AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000009357 |
|---|---|
| Date | Apr 22, 2019 |
| Book Page | 1631/0798 |
| Instrument | 201900009357 |
| Name | FIRST COMMONWEALTH BANK |
|---|---|
| Type | Bank |
| Address | INDIANA, PA 15701 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9% |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 6433 MERCHANT RD, DELAWARE, OH 43015-9485 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000006751 |
|---|---|
| Date | Mar 2, 2020 |
| Book Page | 1704/1314 |
| Instrument | 202000006751 |
| Name | FIRST COMMONWEALTH BANK |
|---|---|
| Type | Bank |
| Address | INDIANA, PA 15701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.25% |
| Max Rate | 8.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 6433 MERCHANT RD, DELAWARE, OH 43015-9485 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000042947 |
|---|---|
| Date | Oct 27, 2020 |
| Book Page | 1785/2719 |
| Instrument | 202000042947 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Aug 25, 2050 |
The 2025 property tax bill for 6433 Merchant Rd was $11,179, up 1.8% from the year before.
Source: Delaware County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Delaware County |
| County Subdivision | Concord Township |
| Unified School District | Buckeye Valley Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,179.00 (+1.77%) | $310,000 (-) Land $46,830 Building $263,170 | $885,700 Land $133,800 Building $751,900 |
| 2024 | $10,985.00 (+0.11%) | $310,000 (-) Land $46,830 Building $263,170 | |
| 2023 | $10,973.00 | $310,000 Land $46,830 Building $263,170 | $885,700 Land $133,800 Building $751,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6433 Merchant Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 3, 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 Policies | 1 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 6433 Merchant 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 93% of the US · lower than 68% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DEL-CO WATER COMPANY, INC. private · serves 150,000 people · EPA ID OH2101412 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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