Ross County property record for 677 E Water St, Chillicothe, OH 45601
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,105 sqft · built 1988 |
| Lot Size | 0.184 acres (8,002 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $178,000 (Jul 2023) |
| Tax Bill | $1,784 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jan 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-54-38-002.000 |
| Primary APN | 30-54-38-002.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,105 sqft Living Area |
| Gross Area | 1,989 sqft |
| 1st Floor Area | 884 sqft |
| Attic | Attic |
| Attic Area | 884 sqft |
| Basement Area | 884 sqft |
| Flooring | Wood |
| Interior Walls | Unfinished |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 8,002 sqft (0.184 acres) |
| Lot Dimensions | 125 ft deep x 64 ft wide |
| Garage Type | Detached |
| Garage Area | 594 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 543800 |
|---|---|
| Street Address | 677 E WATER ST |
| City | CHILLICOTHE |
| State | OH |
| Zip | 45601-2759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 677 E WATER ST RES EP&V PT 71-72-73 54-3 8-2 ENG # 17-3-200-201- 202 0196/1331 |
| Legal Subdivision | ENTREKIN PHILLIPS & VANMETERS |
| Legal Lot Number | 71 |
| Jurisdiction | ROSS OH |
| Township / Civil Division | SCIOTO |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 956400 |
677 E Water St is owned and occupied by two individuals who bought it in July 2023.
Source: Ross County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 677 E WATER ST, CHILLICOTHE, OH 45601-2759 |
| 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 12, 2023 | Survivorship Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Jan 24, 2017 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Dec 18, 2020 | Warranty Deed, Transfer FIRST OHIO TITLE INS BOX |
| Jun 5, 2017 | Warranty Deed, Transfer · FHA Mortgage CHEMICAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2023 · Amount on File |
| Deed Sale | Jul 12, 2023 · Amount on File |
| Prior Sale | Dec 18, 2020 · Amount on File |
| Deed Document Number | 20234526 |
| Deed Book / Page | 569 / 2263 |
| Prior Transfer Date | Jul 5, 2006 |
| Prior Transfer Doc | 0003270949 |
| Record Updated | Sep 20, 2026 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | ROSS OH |
| Recording Date | Jul 12, 2023 |
| Property Address | 677 E WATER ST, CHILLICOTHE, OH 45601-2759 |
| Document Number | 0005692263 |
| Book / Page | 569 / 2263 |
| Instrument Date | Jun 23, 2023 |
| Instrument | 202300004526 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2023 |
| Title Company | FIRST OH TITLE INSURANCE BOX, FIRST OHIO TITLE INS BOX |
| 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 |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 677 E WATER ST, CHILLICOTHE, OH 45601-2759 |
| Document Number | 202300004527 |
|---|---|
| Date | Jul 12, 2023 |
| Instrument | 202300004527 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROSS OH |
| Property Address | 677 E WATER ST, CHILLICOTHE, OH 45601-2759 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005010299 |
|---|---|
| Date | Jan 24, 2017 |
| Book Page | 0501/0299 |
| Instrument | 201700000559 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 5, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROSS OH |
| Recording Date | Dec 18, 2020 |
| Property Address | 677 E WATER ST, CHILLICOTHE, OH 45601-2759 |
| Document Number | 0005463498 |
| Book / Page | 546 / 3498 |
| Instrument Date | Nov 25, 2020 |
| Instrument | 202000009897 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2021 |
| Title Company | FIRST OHIO TITLE INS BOX |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 677 E WATER ST, CHILLICOTHE, OH 45601-2759 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROSS OH |
| Recording Date | Jun 5, 2017 |
| Property Address | 677 E WATER ST, CHILLICOTHE, OH 45601-2759 |
| Document Number | 0005070340 |
| Book / Page | 0507 / 0340 |
| Instrument Date | Jun 1, 2017 |
| Instrument | 201700004115 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2021 |
| Title Company | CITIZENS LAND TITLE AGENCY |
| 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 |
|---|
| Name | Verified Name |
|---|---|
| Address | 677 E WATER ST, CHILLICOTHE, OH 45601-2759 |
| Document Number | 201700004116 |
|---|---|
| Date | Jun 5, 2017 |
| Instrument | 201700004116 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 677 E Water St was $1,784, up 79.5% 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 | $1,784.00 (+79.48%) | $49,440 (+98.24%) Land $4,580 Building $44,860 | $141,250 (+98.22%) Land $13,090 Building $128,160 |
| 2024 | $994.00 (-1.58%) Homeowner's exemption | $24,940 (-) Land $4,580 Building $20,360 | $71,260 Land $13,090 Building $58,170 |
| 2023 | $1,010.00 (-0.1%) Homeowner's exemption | $24,940 (-) Land $4,580 Building $20,360 | |
| 2022 | $1,011.00 Homeowner's exemption | $24,940 Land $4,580 Building $20,360 | $71,260 Land $13,090 Building $58,170 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 677 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 risk around 677 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.
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 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 |
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