651 Harris St, Jackson, OH 45640 Property Records

Jackson County property record for 651 Harris St, Jackson, OH 45640

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1967
Lot Size	0.413 acres (17,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,900 (Sep 2018)
Tax Bill	$2,594 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H140190018700`

Property Details

APN / Parcel Number

Primary APN	`H140190018700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	17,999 sqft (0.413 acres)
Lot Dimensions	150 ft deep x 120 ft wide
Garage Type	Carport
Garage Area	616 sqft
Carport	Carport
Carport Area	616 sqft
Parking Spaces	2 Parking Spaces
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	651 HARRIS ST
City	JACKSON
State	OH
Zip	45640-2027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 JACKSON 65
Legal Subdivision	CITY/JACKSON
Jurisdiction	JACKSON OH
Township / Civil Division	JACKSON
Census Block Group	6
Census Block	6008
Census Tract	957500

Owner

Source: Jackson County records, as of July 7, 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	651 HARRIS ST, JACKSON, OH 45640-2027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 24, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Sep 25, 2018	Survivorship Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 21, 2007	Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2018 · Amount on Record
Deed Sale	Sep 25, 2018 · Amount on Record
Prior Sale	Sep 21, 2007 · Amount on Record
Deed Document Number	20183026
Deed Book / Page	134 / 1698
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OH
Property Address	651 HARRIS ST, JACKSON, OH 45640-2027
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	157/2343
Date	Aug 3, 2021
Book Page	157/2343
Instrument	202100002747

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Aug 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON OH
Property Address	651 HARRIS ST, JACKSON, OH 45640-2027
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA SETMNTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	148/1132
Date	Jun 24, 2020
Book Page	148/1132
Instrument	202000001909

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

September 2018: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	JACKSON OH
Recording Date	Sep 25, 2018
Property Address	651 HARRIS ST, JACKSON, OH 45640-2027
Document Number	134/1698
Book / Page	134 / 1698
Instrument Date	Sep 21, 2018
Instrument	201800003026
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TITLE FAMILY OF CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$479.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	651 HARRIS ST, JACKSON, OH 45640-2027

Mortgage

Document Number	201800003027
Date	Sep 25, 2018
Instrument	201800003027

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

September 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	JACKSON OH
Recording Date	Sep 21, 2007
Property Address	651 HARRIS ST, JACKSON, OH 45640-2027
Document Number	055/2729
Book / Page	055 / 2729
Instrument Date	Sep 14, 2007
Instrument	200700004329
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	SECURE TITLE SERVICES BOX

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$364.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00055/2731
Date	Sep 21, 2007
Book Page	055/2731
Instrument	200700004330

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Sep 14, 2040

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of March 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,594.00 (-3.28%)	$53,120 (-) Land $11,800 Building $41,320	$151,750 (-) Land $33,700 Building $118,050
2023	$2,682.00 (+31.73%)	$53,120 (+33%) Land $11,800 Building $41,320
2022	$2,036.00	$39,940 Land $11,400 Building $28,540
2020			$151,750 Land $33,700 Building $118,050

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 December 18, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	24 (1997–2012)
Most Recent Claim	May 2012 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2011 · 13 claims

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	CITY OF JACKSON serves 9,691 people · EPA ID OH4000111
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 135 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
Verizon Fixed Wireless	300 / 20
altafiber Network Solutions Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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