Delaware County property record for 657 Bay Dr, Westerville, OH 43082
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,732 sqft · built 1996 |
| Lot Size | 0.287 acres (12,499 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $376,300 (Feb 2020) |
| Tax Bill | $8,126 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Dec 2020 Mortgage + 2 more |
| APN | 317-431-15-010-000 |
| Primary APN | 317-431-15-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,732 sqft Living Area |
| Gross Area | 4,962 sqft |
| 1st Floor Area | 1,408 sqft |
| Upper Floors Area | 936 sqft |
| Attic | Attic |
| Attic Area | 150 sqft |
| Basement Area | 1,408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Lot Area | 12,499 sqft (0.287 acres) |
| Lot Dimensions | 150 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 682 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | 250 sqft |
| Patio Area | 250 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 657 BAY DR |
|---|---|
| City | WESTERVILLE |
| State | OH |
| Zip | 43082-7492 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 176 MARINERS COVE SEC 4 |
| Legal Subdivision | MARINERS COVE |
| Legal Lot Number | 176 |
| Jurisdiction | DELAWARE OH |
| Township / Civil Division | WESTERVILLE CITY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 11710 |
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 | 657 BAY DR, WESTERVILLE, OH 43082-7492 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST COMMONWEALTH BANK |
| Dec 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Feb 21, 2020 | Survivorship Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Nov 6, 2017 | Grant Deed, Transfer COMMERCE PK TITLE AGENCY LLC, COMMERCE PK TITLE AGCY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 21, 2020 · Amount on Record |
| Deed Sale | Feb 21, 2020 · Amount on Record |
| Prior Sale | Nov 6, 2017 · Amount on Record |
| Deed Document Number | 20205684 |
| Deed Book / Page | 1702 / 801 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 657 BAY DR, WESTERVILLE, OH 43082-7492 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | 657 BAY DR, WESTERVILLE, OH 43082-7492 |
| Document Number | 0000005901 |
|---|---|
| Date | Mar 9, 2026 |
| Instrument | 202600005901 |
| Name | FIRST COMMONWEALTH BANK |
|---|---|
| Type | Bank |
| Address | INDIANA, PA 15701 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 28, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 657 BAY DR, WESTERVILLE, OH 43082-7492 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000050782 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 1804/60 |
| Instrument | 202000050782 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | DELAWARE OH |
| Recording Date | Feb 21, 2020 |
| Property Address | 657 BAY DR, WESTERVILLE, OH 43082-7492 |
| Document Number | 0000005684 |
| Book / Page | 1702 / 0801 |
| Map Reference | CAB1 SL585,585A&585B |
| Instrument Date | Nov 18, 2019 |
| Instrument | 202000005684 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Title Company | LANDSEL TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 657 BAY DR, WESTERVILLE, OH 43082-7492 |
| Document Number | 0000005685 |
|---|---|
| Date | Feb 21, 2020 |
| Instrument | 202000005685 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | DELAWARE OH |
| Recording Date | Nov 6, 2017 |
| Property Address | 657 BAY DR, WESTERVILLE, OH 43082-7492 |
| Document Number | 0000031718 |
| Book / Page | 001537 / 002412 |
| Instrument Date | Oct 27, 2017 |
| Instrument | 31718 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2020 |
| Title Company | COMMERCE PK TITLE AGENCY LLC, COMMERCE PK TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,020.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 657 BAY DR WESTERVILLE OH 430827492, WESTERVILLE, OH 43082-7492 |
Source: Delaware County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Delaware County |
| Municipality | Westerville City |
| Unified School District | Westerville City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,126.00 (-0.2%) | $159,820 (-) Land $35,880 Building $123,940 | $456,600 (-) Land $102,500 Building $354,100 |
| 2024 | $8,142.00 (+1.16%) Homeowner's exemption | $159,820 (-) Land $35,880 Building $123,940 | |
| 2023 | $8,049.00 Homeowner's exemption | $159,820 Land $35,880 Building $123,940 | $456,600 Land $102,500 Building $354,100 |
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.
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 500 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.
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.
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 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 |
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