648 Bay Dr, Westerville, OH 43082 Property Records

Delaware County property record for 648 Bay Dr, Westerville, OH 43082

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,874 sqft · built 1999
Lot Size	0.33 acres (14,381 sqft)
Owner	2 Individual Names on Record
Last Sale	$327,500 (Oct 2005)
Tax Bill	$7,786 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit
APN	`317-431-14-009-000`

Property Details

APN / Parcel Number

Primary APN	`317-431-14-009-000`
Alternative APN	`181854.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,874 sqft Living Area
Gross Area	4,864 sqft
1st Floor Area	1,566 sqft
Upper Floors Area	988 sqft
Basement Area	1,566 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Brick/Stone
Lot Area	14,381 sqft (0.33 acres)
Lot Dimensions	158 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Stoop
Porch Area	40 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	648 BAY DR
City	WESTERVILLE
State	OH
Zip	43082-7491
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 195 MARINERS COVE SEC 4
Legal Subdivision	MARINERS COVE
Legal Lot Number	195
Jurisdiction	DELAWARE OH
Township / Civil Division	WESTERVILLE CITY
Census Block Group	1
Census Block	1007
Census Tract	11710

Owner

Source: Delaware County records, as of May 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	648 BAY DR, WESTERVILLE, OH 43082-7491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2005 · Amount on Record
Deed Sale	Oct 24, 2005 · Amount on Record
Prior Sale	Oct 24, 2005 · Amount on Record
Deed Document Number	200543489
Deed Book / Page	660 / 899
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE OH
Property Address	648 BAY DR, WESTERVILLE, OH 43082-7491
Document Number	0000009117
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	648 BAY DR WESTERVILLE OH 430827491, WESTERVILLE, OH 43082-7491

Mortgage

Document Number	0000009117
Date	Apr 18, 2019
Book Page	001630/002207
Instrument	9117

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Delaware County assessment roll, as of May 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,786.00 (-0.19%)	$153,130 (-) Land $35,880 Building $117,250	$437,500 (-) Land $102,500 Building $335,000
2024	$7,801.00 (+1.15%) Homeowner's exemption	$153,130 (-) Land $35,880 Building $117,250
2023	$7,712.00 Homeowner's exemption	$153,130 Land $35,880 Building $117,250	$437,500 Land $102,500 Building $335,000

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.

Flood

Source: FEMA National Flood Hazard Layer, effective June 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2012 · rainfall accumulation

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	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.

Drinking Water

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
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, 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 258 locations within half a mile, as of December 31, 2025

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