Franklin County property record for 645 Cooper Rd, Westerville, OH 43081
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,568 sqft · built 1963 |
| Lot Size | 0.581 acres (25,332 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,500 (Dec 2004) |
| Tax Bill | $5,937 (2024) |
| Deeds & Mortgages | Oct 2021 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-009223 |
| Primary APN | 080-009223 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,568 sqft Living Area |
| 1st Floor Area | 1,578 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 25,332 sqft (0.581 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 645 COOPER RD |
|---|---|
| City | WESTERVILLE |
| State | OH |
| Zip | 43081-8962 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COOPER RD 0.588 AC |
| Legal Subdivision | UNITED STATES MILITARY LANDS |
| Jurisdiction | FRANKLIN OH |
| Township / Civil Division | WESTERVILLE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 7114 |
645 Cooper Rd is owned and occupied by an individual who acquired it in August 2020.
Source: Franklin County records, as of February 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 645 COOPER RD, WESTERVILLE, OH 43081-8962 |
| 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 |
|---|---|
| Oct 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Aug 3, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2004 · Amount on File |
| Deed Sale | Dec 15, 2004 · Amount on File |
| Prior Sale | May 21, 2001 · Amount on File |
| Deed Document Number | 0000284288 |
| Last Transfer Date | Aug 3, 2020 |
| Transfer Doc | 0000112193 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Property Address | 645 COOPER RD, WESTERVILLE, OH 43081-8962 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Title Company | LEADER TITLE AGENCY INC, LEADERS TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000182534 |
|---|---|
| Date | Oct 8, 2021 |
| Instrument | 202110080182534 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Recording Date | Aug 3, 2020 |
| Property Address | 645 COOPER RD, WESTERVILLE, OH 43081-8962 |
| Document Number | 0000112193 |
| Instrument Date | Jul 1, 2020 |
| Instrument | 202008030112193 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2022 |
| Title Company | LEADERS TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 645 COOPER RD, WESTERVILLE, OH 43081-8962 |
| Document Number | 0000112194 |
|---|---|
| Date | Aug 3, 2020 |
| Instrument | 202008030112194 |
| Name | UNITED SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
Source: Franklin County assessment roll, as of August 1, 2024
| Type | Name |
|---|---|
| State | Ohio |
| County | Franklin County |
| Municipality | Westerville City |
| Unified School District | Westerville City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $5,937.00 (+2.17%) Homeowner's exemption | $104,480 (-) Land $30,800 Building $73,680 | |
| 2023 | $5,811.00 (+6.6%) Homeowner's exemption | $104,480 (+39.62%) Land $30,800 Building $73,680 | $298,500 Land $88,000 Building $210,500 |
| 2022 | $5,451.00 Homeowner's exemption | $74,830 Land $15,330 Building $59,500 | |
| 2020 | $213,800 Land $43,800 Building $170,000 |
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.
FEMA maps place 645 Cooper Rd in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1990.
Source: FEMA National Flood Hazard Layer, effective June 4, 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 | 7 in force |
| Nearby Flood Claims | 14 (1990–2020) |
| Claims Outside the SFHA | 14 of 14 |
| Most Recent Claim | May 2020 · river or lake flooding |
| Claims by Event |
|
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.
The area around 645 Cooper Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | WESTERVILLE CITY PWS serves 39,000 people · EPA ID OH2503411 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Also Mapped Here | COLUMBUS PUBLIC WATER SYSTEM |
| Lead | 1 ppb (2024–2026) 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 86 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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