Ross County property record for 654 Cedar St, Chillicothe, OH 45601
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,911 sqft · built 1952 |
| Lot Size | 0.178 acres (7,749 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $144,500 (Mar 2018) |
| Tax Bill | $2,826 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-52-20-006.000 |
| Primary APN | 30-52-20-006.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,911 sqft Living Area |
| Gross Area | 2,457 sqft |
| 1st Floor Area | 1,092 sqft |
| Attic | Attic |
| Attic Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Finished Basement | 546 sqft |
| Unfinished Basement | 546 sqft |
| Flooring | Wood |
| Interior Walls | Unfinished |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Other |
| Lot Area | 7,749 sqft (0.178 acres) |
| Lot Dimensions | 155 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 522000 |
|---|---|
| Street Address | 654 CEDAR ST |
| City | CHILLICOTHE |
| State | OH |
| Zip | 45601-1210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 654 CEDAR ST RES C KERN 6 50X155 52-20 -6 |
| Legal Subdivision | CLARENCE KERN ADD |
| Legal Lot Number | 6 |
| Jurisdiction | ROSS OH |
| Township / Civil Division | SCIOTO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 956000 |
654 Cedar St is owned and occupied by two individuals who acquired it in November 2025.
Source: Ross County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 654 CEDAR ST, CHILLICOTHE, OH 45601-1210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC |
| Nov 18, 2025 | Intrafamily Transfer, Transfer |
| Jan 5, 2024 | Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC |
| Mar 22, 2018 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2018 · Amount on File |
| Deed Sale | Mar 22, 2018 · Amount on File |
| Prior Sale | Mar 29, 2007 · Amount on File |
| Deed Document Number | 20181990 |
| Deed Book / Page | 519 / 1700 |
| Last Transfer Date | Nov 10, 2025 |
| Transfer Doc | 0005873314 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSS OH |
| Recording Date | Jul 7, 2026 |
| Property Address | 654 CEDAR ST, CHILLICOTHE, OH 45601-1210 |
| Document Number | 0000004704 |
| Book / Page | 592 / 5276 |
| Instrument Date | Jul 3, 2026 |
| Instrument | 20264704 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Title Company | WESBANCO TITLE AGENCY LLC, WESBANCO TITLE |
| Name | Verified Name |
|---|---|
| Address | 654 CEDAR ST, CHILLICOTHE, OH 45601-1210 |
| Document Number | 0000004704, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 592/5276 |
| Instrument | 20264704 |
| Name | WESBANCO BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 3, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ROSS OH |
| Recording Date | Nov 18, 2025 |
| Property Address | 654 CEDAR ST, CHILLICOTHE, OH 45601-1210 |
| Document Number | 0005873314 |
| Book / Page | 587 / 3314 |
| Map Reference | MB 3 PG 371A B & C |
| Instrument Date | Nov 10, 2025 |
| Instrument | 202500007764 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 654 CEDAR ST, CHILLICOTHE, OH 45601-1210 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSS OH |
| Property Address | 654 CEDAR ST, CHILLICOTHE, OH 45601-1210 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2024 |
| Title Company | PALMER LAND TITLE AGENCY BOX, VALMER LAND TITLE AGENCY BOX |
| Name | Verified Name |
|---|---|
| Address | 654 CEDAR ST, CHILLICOTHE, OH 45601-1210 |
| Document Number | 0005725352 |
|---|---|
| Date | Jan 5, 2024 |
| Book Page | 572/5352 |
| Instrument | 202400000123 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | CHILLICOTHE, OH 45601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jan 3, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROSS OH |
| Recording Date | Mar 22, 2018 |
| Property Address | 654 CEDAR ST, CHILLICOTHE, OH 45601-1210 |
| Document Number | 0005191700 |
| Book / Page | 0519 / 1700 |
| Map Reference | MB3 PG371A |
| Instrument Date | Mar 20, 2018 |
| Instrument | 201800001990 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 654 CEDAR ST, CHILLICOTHE, OH 45601-1210 |
| Document Number | 201800001991 |
|---|---|
| Date | Mar 22, 2018 |
| Instrument | 201800001991 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 654 Cedar St was $2,826, up 22.2% from the year before.
Source: Ross County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Ross County |
| County Subdivision | Scioto Township |
| Municipality | Chillicothe City |
| Unified School District | Chillicothe City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,826.00 (+22.18%) | $78,200 (+34.9%) Land $8,190 Building $70,010 | $223,430 (+34.88%) Land $23,410 Building $200,020 |
| 2024 | $2,313.00 (-1.62%) Homeowner's exemption | $57,970 (-) Land $8,190 Building $49,780 | $165,650 Land $23,410 Building $142,240 |
| 2023 | $2,351.00 (-0.13%) Homeowner's exemption | $57,970 (-) Land $8,190 Building $49,780 | |
| 2022 | $2,354.00 Homeowner's exemption | $57,970 Land $8,190 Building $49,780 | $165,650 Land $23,410 Building $142,240 |
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 654 Cedar St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 7, 2023
| 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 654 Cedar St is low, with 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 80% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 | CHILLICOTHE CITY PWS serves 21,725 people · EPA ID OH7100112 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 533 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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