644 Cortland Dr, Springfield, OH 45505 Property Records

Clark County property record for 644 Cortland Dr, Springfield, OH 45505

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 816 sqft · built 1950
Lot Size	0.137 acres (5,985 sqft)
Owner	Company Name on File
Last Sale	$154,000 (Sep 2026)
Tax Bill	$3,055 (2025)
Deeds & Mortgages	Sep 2026 Sale Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`340-07-00022-308-002`

Property Details

APN / Parcel Number

Primary APN	`340-07-00022-308-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	5,985 sqft (0.137 acres)
Lot Dimensions	105 ft deep x 57 ft wide
Garage Type	Detached
Garage Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	644 CORTLAND DR
City	SPRINGFIELD
State	OH
Zip	45505-2523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAYNES 1ST ADD 13491
Legal Subdivision	LAYNES 1ST ADD
Legal Block	308
Legal Lot Number	2
Jurisdiction	CLARK OH
Township / Civil Division	SPRINGFIELD
Census Block Group	4
Census Block	4020
Census Tract	1400

Owner

644 Cortland Dr is owned by a company that bought it in September 2026.

Source: Clark County records, as of September 18, 2026

Owner of Record	Company Name on File
Mailing Address	1081 W LETTLEL LN, SPRINGFIELD, OH 45505
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Dec 29, 2022	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2026 · Amount on File
Deed Sale	Sep 10, 2026 · Amount on File
Prior Sale	Dec 29, 2022 · Amount on File
Deed Document Number	202612474
Deed Book / Page	2274 / 2748
Prior Transfer Date	Jul 28, 2011
Prior Transfer Doc	0000010273
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CLARK OH
Recording Date	Sep 10, 2026
Property Address	644 CORTLAND DR, SPRINGFIELD, OH 45505-2523
Document Number	0000012474
Book / Page	2274 / 2748
Instrument Date	Sep 9, 2026
Instrument	202612474
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$62,216.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLARK OH
Recording Date	Dec 29, 2022
Property Address	644 CORTLAND DR, SPRINGFIELD, OH 45505-2523
Document Number	0000018822
Book / Page	2219 / 2917
Map Reference	MB 7 PG 80
Instrument Date	Dec 21, 2022
Instrument	202200018822
Transaction Type	Transfer
Record Updated	Jan 9, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 CORTLAND DR, SPRINGFIELD, OH 45505-2523

Mortgage

Document Number	0000018823
Date	Dec 29, 2022
Instrument	202200018823

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Mortgage

Document Number	0000018824
Date	Dec 29, 2022
Book Page	2219/2939
Instrument	202200018824

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency
Address	GRANVILLE, OH 43023

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 644 Cortland Dr was $3,055, up 137% from the year before.

Source: Clark County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Clark County
Municipality	Springfield City
Unified School District	Springfield City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,055.00 (+137.01%)	$34,790 Land $4,880 Building $29,910	$99,380 Land $13,930 Building $85,450
2024	$1,289.00
2023		$25,440 Land $4,390 Building $21,050
2022	$1,287.00		$72,690 Land $12,540 Building $60,150

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 644 Cortland Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 17, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 644 Cortland Dr 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	Direct burnable vegetation

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	SPRINGFIELD CITY PWS serves 60,680 people · EPA ID OH1204412
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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