662 E Water St, Chillicothe, OH 45601 Property Records

Ross County property record for 662 E Water St, Chillicothe, OH 45601

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 1,552 sqft · built 1900
Lot Size	0.205 acres (8,908 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,006 (2025)
Deeds & Mortgages	Jul 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-54-39-037.000`

Property Details

APN / Parcel Number

Primary APN	`30-54-39-037.000`
Alternative APN	`543903`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,552 sqft Living Area
Gross Area	2,224 sqft
1st Floor Area	992 sqft
2nd Floor Area	560 sqft
Basement Area	560 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Other
Lot Area	8,908 sqft (0.205 acres)
Lot Dimensions	198 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Patio Area	360 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	543903
Street Address	662 E WATER ST
City	CHILLICOTHE
State	OH
Zip	45601-2760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	662 WATER ST RES WATTS P 54-39-37
Jurisdiction	ROSS OH
Township / Civil Division	SCIOTO
Census Block Group	2
Census Block	2029
Census Tract	956400

Owner

662 E Water St is owned and occupied by two individuals.

Source: Ross County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	662 E WATER ST, CHILLICOTHE, OH 45601-2760
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROSS OH
Property Address	662 E WATER ST, CHILLICOTHE, OH 45601-2760
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	CHANCELLOR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	662 E WATER ST, CHILLICOTHE, OH 45601-2760

Mortgage

Document Number	0005621257
Date	Jul 15, 2022
Book Page	562/1257
Instrument	202200005558

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	905 Months
Due	Dec 27, 2097

Interest

Rate Type	Adjustable Rate
Rate	5.97%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2022
Change Frequency	Annually
Index	1-Year CMT
Max Rate	10.9%

Tax Assessment & Valuation

The 2025 property tax bill for 662 E Water St was $1,006 with a homeowner's exemption, up 28.5% from the year before.

Source: Ross County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ross County
County Subdivision	Scioto Township
Municipality	Chillicothe City
Unified School District	Chillicothe City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,006.00 (+28.48%) Homeowner's exemption	$38,040 (+29.08%) Land $5,130 Building $32,910	$108,680 (+29.07%) Land $14,660 Building $94,020
2024	$783.00 (-4.74%) Homeowner's exemption Senior Citizen's exemption	$29,470 (-) Land $5,130 Building $24,340	$84,200 Land $14,660 Building $69,540
2023	$822.00 (-2.14%) Homeowner's exemption Senior Citizen's exemption	$29,470 (-) Land $5,130 Building $24,340
2022	$840.00 Homeowner's exemption Senior Citizen's exemption	$29,470 Land $5,130 Building $24,340	$84,200 Land $14,660 Building $69,540

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 662 E Water St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 7, 2023 · 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	2 in force

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

Wildfire risk around 662 E Water 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	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 641 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20