Delaware County property record for 690 Bay Dr, Westerville, OH 43082
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,544 sqft · built 1997 |
| Lot Size | 0.299 acres (13,030 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $550,000 (Oct 2023) |
| Tax Bill | $6,953 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage May 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 317-431-14-004-000 |
| Primary APN | 317-431-14-004-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,544 sqft Living Area |
| Gross Area | 4,083 sqft |
| 1st Floor Area | 1,119 sqft |
| Upper Floors Area | 1,425 sqft |
| Basement Area | 1,119 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Lot Area | 13,030 sqft (0.299 acres) |
| Lot Dimensions | 160 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 33 sqft |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 690 BAY DR |
|---|---|
| City | WESTERVILLE |
| State | OH |
| Zip | 43082-7491 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 190 MARINERS COVE SEC 4 |
| Legal Subdivision | MARINERS COVE |
| Legal Lot Number | 190 |
| Jurisdiction | DELAWARE OH |
| Township / Civil Division | WESTERVILLE CITY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 11710 |
Source: Delaware County records, as of June 15, 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 | 12140 WOODCREST EXECUTIVE DR, 150, SAINT LOUIS, MO 63141-5000 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage NFM LENDING |
| May 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SOURCEPOINT FULFILLMENT SERVICES, SOURCEPOINT FULFILLMENT SERV |
| Oct 19, 2023 | Survivorship Deed, Transfer · Conventional Mortgage DAS ACQUISITION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2023 · Amount on Record |
| Deed Sale | Oct 19, 2023 · Amount on Record |
| Prior Sale | Oct 5, 2005 · Amount on Record |
| Deed Document Number | 202322513 |
| Deed Book / Page | 2059 / 290 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Property Address | 690 BAY DR, WESTERVILLE, OH 43082-7491 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2026 |
| Title Company | SOURCEPOINT |
| Name | Verified Name |
|---|---|
| Address | 690 BAY DR, WESTERVILLE, OH 43082-7491 |
| Document Number | 0000026455 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 202500026455 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.7% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE OH |
| Recording Date | May 26, 2026 |
| Property Address | 690 BAY DR, WESTERVILLE, OH 43082-7491 |
| Document Number | 0000013403 |
| Instrument Date | Oct 15, 2025 |
| Instrument | 202613403 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SOURCEPOINT FULFILLMENT SERVICES, SOURCEPOINT FULFILLMENT SERV |
| Name | Verified Name |
|---|---|
| Address | 690 BAY DR, WESTERVILLE, OH 43082-7491 |
| Document Number | 0000013403, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 202613403 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | DELAWARE OH |
| Recording Date | Oct 19, 2023 |
| Property Address | 690 BAY DR, WESTERVILLE, OH 43082-7491 |
| Document Number | 0000022513 |
| Book / Page | 2059 / 290 |
| Map Reference | CB1SL585,585A&585B |
| Instrument Date | Sep 29, 2023 |
| Instrument | 202300022513 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2026 |
| Title Company | WORLD CLASS TITLE AGENCY/OH, WORLD CLASS TTL AGCY OF OH L |
| 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 | Joint Tenants with Right of Survivorship |
| Address | 12140 WOODCREST EXECUTIVE DR, SAINT LOUIS, MO 63141-5048 |
| Document Number | 0000022514 |
|---|---|
| Date | Oct 19, 2023 |
| Instrument | 202300022514 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
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 | $6,953.00 (-0.2%) | $136,750 (-) Land $35,880 Building $100,870 | $390,700 (-) Land $102,500 Building $288,200 |
| 2024 | $6,967.00 (+1.16%) Homeowner's exemption | $136,750 (-) Land $35,880 Building $100,870 | |
| 2023 | $6,887.00 (-4.98%) Homeowner's exemption | $136,750 (+22.82%) Land $35,880 Building $100,870 | $390,700 (+22.82%) Land $102,500 Building $288,200 |
| 2022 | $7,248.00 Homeowner's exemption | $111,340 Land $30,210 Building $81,130 | |
| 2020 | $318,100 Land $86,300 Building $231,800 |
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 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 | Low lower than 96% of the US · lower than 81% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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 | 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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