646 Saddlebrook Dr, Youngstown, OH 44512 Property Records

Mahoning County property record for 646 Saddlebrook Dr, Youngstown, OH 44512

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,633 sqft · built 2002
Lot Size	1.05 acres (46,130 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Aug 2023)
Tax Bill	$9,414 (2024)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-041-0-033.00-0`

Property Details

APN / Parcel Number

Primary APN	`29-041-0-033.00-0`
Alternative APN	`00015`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,633 sqft Living Area
1st Floor Area	3,055 sqft
Upper Floors Area	1,578 sqft
Attic Area	457 sqft
Basement Area	3,025 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Conventional
Exterior Material	Siding
Lot Area	46,130 sqft (1.05 acres)
Lot Dimensions	264 ft deep x 175 ft wide
Garage Area	914 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	700 sqft
Porch	Open Porch
Porch Area	179 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard

Location & Zoning

Account Number	00015
Street Address	646 SADDLEBROOK DR
City	YOUNGSTOWN
State	OH
Zip	44512-4781
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 129 253.13 X 321.31IRR REPLAT OF LOT NOS 129 & 130 IN THE REPLAT OF LOT NOS 129 & 130 IN QUAIL HOLLOW PLAT NO 8
Legal Subdivision	IN QUAIL HOLLOW 8
Legal Lot Number	129 343
Jurisdiction	MAHONING OH
Township / Civil Division	BOARDMAN
Census Block Group	2
Census Block	2009
Census Tract	811902

Owner

Source: Mahoning County records, as of February 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	646 SADDLEBROOK DR, YOUNGSTOWN, OH 44512-4781
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Fiduciary Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Jan 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2023 · Amount on Record
Deed Sale	Aug 9, 2023 · Amount on Record
Deed Document Number	316661
Deed Book / Page	6584 / 1016
Record Updated	Jun 8, 2026

August 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	MAHONING OH
Recording Date	Aug 9, 2023
Property Address	646 SADDLEBROOK DR, YOUNGSTOWN, OH 44512-4781
Document Number	06584/1016
Book / Page	6584 / 1016
Map Reference	VOL 133 PG 109
Instrument Date	Aug 7, 2023
Instrument	202300014848
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 SADDLEBROOK DR, YOUNGSTOWN, OH 44512-4781

Mortgage

Document Number	202300014849
Date	Aug 9, 2023
Instrument	202300014849

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MAHONING OH
Property Address	646 SADDLEBROOK DR, YOUNGSTOWN, OH 44512-4781
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6363/0536
Date	Jan 23, 2020
Book Page	6363/0536
Instrument	202000001736

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Max Rate	7.62%

Tax Assessment & Valuation

Source: Mahoning County assessment roll, as of August 1, 2024

Property Jurisdictions

Type	Name
State	Ohio
County	Mahoning County
County Subdivision	Boardman Township
Unified School District	Boardman Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$9,414.00 (-25.72%) Homeowner's exemption	$204,750 (-19.34%) Land $23,260 Building $181,490
2023	$12,674.00 (+7.88%)	$253,840 (+41.04%) Land $23,260 Building $230,580	$585,000 (+13.76%) Land $66,460 Building $518,540
2022	$11,748.00	$179,980 Land $22,020 Building $157,960	$514,220 Land $62,900 Building $451,320

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.

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 2009 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 78% 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	AQUA OHIO - STRUTHERS private · serves 58,551 people · EPA ID OH5001611
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Armstrong Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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