645 River Trce, Westerville, OH 43081 Property Records

Franklin County property record for 645 River Trce, Westerville, OH 43081

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,834 sqft · built 1986
Lot Size	0.321 acres (14,016 sqft)
Owner	Individual Name on File
Last Sale	$507,000 (Oct 2023)
Tax Bill	$9,126 (2024)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-009430`

Property Details

APN / Parcel Number

Primary APN	`080-009430`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,834 sqft Living Area
1st Floor Area	1,041 sqft
2nd Floor Area	1,393 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Raised
Lot Area	14,016 sqft (0.321 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	645 RIVER TRCE
City	WESTERVILLE
State	OH
Zip	43081-1285
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER TRACE RIVER TRACE SEC 1 LOT 5
Legal Subdivision	RIVER TRACE SEC 1
Legal Lot Number	5
Jurisdiction	FRANKLIN OH
Township / Civil Division	WESTERVILLE
Census Block Group	2
Census Block	2009
Census Tract	6991

Owner

Source: Franklin County records · APN 080-009430

Assessment roll updated August 1, 2024 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	645 RIVER TRCE, WESTERVILLE, OH 43081-1285
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Prior Sale	Aug 26, 2002
Deed Document Number	18468
Record Updated	Jun 08, 2026

October 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	FRANKLIN OH
Recording Date	Oct 31, 2023
Property Address	645 RIVER TRCE, WESTERVILLE, OH 43081-1285
Document Number	0000113802
Map Reference	MB 63 PG 74&75
Instrument Date	Oct 23, 2023
Instrument	202310310113802
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	FIRST TITLE INSURANCE AGENCY INC, FIRST OHIO TTL INS AGCY LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$507.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	645 RIVER TRCE, WESTERVILLE, OH 43081-1285

Mortgage

Document Number	0000113803
Date	Oct 31, 2023
Instrument	202310310113803

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated August 1, 2024 · Last verified February 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Franklin County
Municipality	Westerville City
Unified School District	Westerville City School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$9,126.00 (+2.17%) Homeowner's exemption	$160,580 (-) Land $36,750 Building $123,830
2023	$8,932.00 (-2.64%) Homeowner's exemption	$160,580 (+27.52%) Land $36,750 Building $123,830	$458,800 (+27.52%) Land $105,000 Building $353,800
2022	$9,174.00 Homeowner's exemption	$125,930 Land $15,400 Building $110,530
2020			$359,800 Land $44,000 Building $315,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 4, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Cogeco Cable Holdings II Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Based on FCC filings for 503 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WESTERVILLE CITY PWS serves 39,000 people
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	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	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.