6690 S Stivers Rd, Germantown, OH 45327 Property Records

Montgomery County property record for 6690 S Stivers Rd, Germantown, OH 45327

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,890 sqft · built 1993
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Jun 2008)
Tax Bill	$4,402 (2025)
Deeds & Mortgages	Aug 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D14-20512-0003`

Property Details

APN / Parcel Number

Primary APN	`D14-20512-0003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,890 sqft Living Area
Gross Area	2,494 sqft
1st Floor Area	1,170 sqft
Basement Area	624 sqft
Finished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	50,965 sqft (1.17 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Stoop
Porch Area	32 sqft
Deck Area	300 sqft
Patio Area	300 sqft
Shed	1 Shed
Shed Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	6690 S STIVERS RD
City	GERMANTOWN
State	OH
Zip	45327-8566
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 JOE CURTIS SUBD
Legal Subdivision	JOE CURTIS SUBD
Legal Lot Number	3
Jurisdiction	MONTGOMERY OH
Township / Civil Division	GERMAN
Census Block Group	3
Census Block	3003
Census Tract	165000

Owner

Source: Montgomery County records, as of August 28, 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	6690 S STIVERS RD, GERMANTOWN, OH 45327-8566
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2008 · Amount on Record
Deed Sale	Jun 2, 2008 · Amount on Record
Prior Sale	Oct 25, 2007 · Amount on Record
Deed Document Number	200839320
Prior Transfer Date	May 19, 2008
Prior Transfer Doc	0000056690
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY OH
Recording Date	Aug 19, 2026
Property Address	6690 S STIVERS RD, GERMANTOWN, OH 45327-8566
Document Number	0000049561
Instrument Date	Aug 13, 2026
Instrument	202649561
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	6690 S STIVERS RD, GERMANTOWN, OH 45327-8566

Mortgage

Document Number	0000049561,
Date	Aug 19, 2026
Instrument	202649561

Lender

Name	WELLS FARGO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
County Subdivision	German Township
Unified School District	Valley View Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,402.00	$87,820 (-) Land $16,040 Building $71,780	$250,920 (-) Land $45,830 Building $205,090
2024	$4,402.00 (-2.98%)
2023	$4,537.00 (+8.64%)	$87,820 (+32.22%) Land $16,040 Building $71,780	$250,920 (+32.21%) Land $45,830 Building $205,090
2022	$4,176.00	$66,420 Land $12,150 Building $54,270
2020			$189,790 Land $34,720 Building $155,070

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 21, 2024 · 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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	14 (1989–1990)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Dec 1990 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, May 1989 · 13 claims

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
Blue Sky Wireless Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20