Franklin County property record for 653 River Trce, Westerville, OH 43081
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,623 sqft · built 1987 |
| Lot Size | 0.284 acres (12,410 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,000 (Dec 2007) |
| Tax Bill | $8,304 (2024) |
| Deeds & Mortgages | Dec 2025 Line of Credit Mar 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-009431 |
| Primary APN | 080-009431 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,623 sqft Living Area |
| 1st Floor Area | 1,101 sqft |
| 2nd Floor Area | 1,194 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Foundation Type | Raised |
| Lot Area | 12,410 sqft (0.284 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 653 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 6 |
| Legal Subdivision | RIVER TRACE SEC 1 |
| Legal Lot Number | 6 |
| Jurisdiction | FRANKLIN OH |
| Township / Civil Division | WESTERVILLE |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 6991 |
653 River Trce is owned and occupied by an individual who bought it in December 2007.
Source: Franklin County records, as of February 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 653 RIVER TRCE, WESTERVILLE, OH 43081-1285 |
| 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 |
|---|---|
| Dec 12, 2025 | Deed of Trust, Mortgage · Line of Credit KEMBA FINANCIAL CREDIT UNION INC |
| Mar 21, 2019 | Deed of Trust, Mortgage · Line of Credit KEMBA FINANCIAL CREDIT UNION INC |
| Mar 3, 2020 | Deed of Trust, Mortgage · Line of Credit KEMBA FINANCIAL CREDIT UNION INC |
| Nov 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KEMBA FINANCIAL CREDIT UNION INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2007 · Amount on File |
| Deed Sale | Dec 13, 2007 · Amount on File |
| Deed Document Number | 27661 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Property Address | 653 RIVER TRCE, WESTERVILLE, OH 43081-1285 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000143404 |
|---|---|
| Date | Dec 12, 2025 |
| Instrument | 202512120143404 |
| Name | KEMBA FINANCIAL CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | COLUMBUS, OH 43230 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 11, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Property Address | 653 RIVER TRCE, WESTERVILLE, OH 43081-1285 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Title Company | LANDSEL TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000032004 |
|---|---|
| Date | Mar 21, 2019 |
| Instrument | 201903210032004 |
| Name | KEMBA FINANCIAL CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | COLUMBUS, OH 43230 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Property Address | 653 RIVER TRCE, WESTERVILLE, OH 43081-1285 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Title Company | LANDSEL TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000031448 |
|---|---|
| Date | Mar 3, 2020 |
| Instrument | 202003030031448 |
| Name | KEMBA FINANCIAL CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | COLUMBUS, OH 43230 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 142 Months |
| Due | Jan 15, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN OH |
| Property Address | 653 RIVER TRCE, WESTERVILLE, OH 43081-1285 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Title Company | HALLMARK TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000177824 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 202011100177824 |
| Name | KEMBA FINANCIAL CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | COLUMBUS, OH 43230 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2035 |
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 | $8,304.00 (+2.17%) Homeowner's exemption | $146,130 (-) Land $35,000 Building $111,130 | |
| 2023 | $8,128.00 (-1.37%) Homeowner's exemption | $146,130 (+29.18%) Land $35,000 Building $111,130 | $417,500 Land $100,000 Building $317,500 |
| 2022 | $8,241.00 Homeowner's exemption | $113,120 Land $15,400 Building $97,720 | |
| 2020 | $323,200 Land $44,000 Building $279,200 |
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 653 River Trce in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 4, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 653 River Trce is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 |
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 |
| 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 503 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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