657 Ridgeway Dr, Sidney, OH 45365 Property Records

Shelby County property record for 657 Ridgeway Dr, Sidney, OH 45365

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,010 sqft · built 1990
Lot Size	0.556 acres (24,240 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jan 2020)
Tax Bill	$3,247 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-2601129.013`

Property Details

APN / Parcel Number

Primary APN	`01-2601129.013`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,010 sqft Living Area
1st Floor Area	1,288 sqft
Upper Floors Area	1,276 sqft
Basement Area	891 sqft
Finished Basement	891 sqft
Unfinished Basement	890 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Brick
Roof Material	Shingle
Lot Area	24,240 sqft (0.556 acres)
Lot Dimensions	240 ft deep x 101 ft wide
Garage Area	626 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Slab
Porch Area	264 sqft
Patio Area	160 sqft
Shed	1 Shed
Shed Area	80 sqft
Canopy	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	657 RIDGEWAY DR
City	SIDNEY
State	OH
Zip	45365-3432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5880 IN IMPERIAL WOODS SUB REPLAT OF LOT #5286 IN THE CITY OF SIDNEY 020-26-01-129-013PLAT V26 P7
Legal Subdivision	IMPERIAL WOODS REPLAT
Legal Lot Number	5880
Jurisdiction	SHELBY OH
Township / Civil Division	CLINTON
Census Block Group	4
Census Block	4017
Census Tract	971900

Owner

Source: Shelby 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	Individual Name on Record
Mailing Address	657 RIDGEWAY DR, SIDNEY, OH 45365-3432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2020	Warranty Deed, Transfer · Conventional Mortgage SUPERIOR CU INC
May 29, 2019	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2020 · Amount on Record
Deed Sale	Jan 7, 2020 · Amount on Record
Prior Sale	May 29, 2019 · Amount on Record
Deed Document Number	2020126
Deed Book / Page	2203 / 29
Record Updated	Sep 20, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY OH
Recording Date	Jan 7, 2020
Property Address	657 RIDGEWAY DR, SIDNEY, OH 45365-3432
Document Number	002203/029
Book / Page	2203 / 029
Map Reference	VOL 26 PG 7
Instrument Date	Jan 3, 2020
Instrument	202000000126
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	657 RIDGEWAY DR, SIDNEY, OH 45365-3432

Mortgage

Document Number	202000000127
Date	Jan 7, 2020
Instrument	202000000127

Lender

Name	SUPERIOR CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2025
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	3.37%
Index	5-Year CMT
Margin	2
Max Rate	7.37%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY OH
Recording Date	May 29, 2019
Property Address	657 RIDGEWAY DR, SIDNEY, OH 45365-3432
Document Number	002171/794
Book / Page	2171 / 794
Map Reference	VOL 20 PG 44
Instrument Date	May 24, 2019
Instrument	201900002579
Transaction Type	Transfer
Record Updated	Feb 28, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	1237 FOX HOLLOW DR, LEBANON, OH 45036-7846

Mortgage

Document Number	201900002580
Date	May 29, 2019
Instrument	201900002580

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Shelby County
County Subdivision	Clinton Township
Municipality	Sidney City
Unified School District	Sidney City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,247.00 (-5.99%)	$100,130 (+2.03%) Land $18,260 Building $81,870
2024	$3,454.00 (-8.45%) Homeowner's exemption	$98,140 (-1.58%) Land $16,400 Building $81,740
2023	$3,773.00 (+10.68%) Homeowner's exemption	$99,720 (+26%) Land $16,400 Building $83,320	$286,080 (+26.53%) Land $52,180 Building $233,900
2022	$3,409.00 Homeowner's exemption	$79,140 Land $12,940 Building $66,200
2020			$226,100 Land $36,970 Building $189,130

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 January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2003–2013)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Dec 2013 · river or lake flooding

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 96% of the US · lower than 81% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SIDNEY CITY PWS serves 20,614 people · EPA ID OH7501214
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
NKTELCO - Goldstar Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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