7020 Old River Rd, Philo, OH 43771 Property Records

Muskingum County property record for 7020 Old River Rd, Philo, OH 43771

Property Summary

Property Type	Residential
Details	3 bd · 1 ba · 1,578 sqft · built 1972
Lot Size	0.759 acres (33,062 sqft)
Owner	2 Individual Names on File
Last Sale	$172,000 (Jul 2021)
Tax Bill	$431 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-40-08-02-000`

Property Details

APN / Parcel Number

Primary APN	`20-40-08-02-000`
Alternative APN	`013971-7`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,578 sqft Living Area
1st Floor Area	1,578 sqft
Basement Area	653 sqft
Unfinished Basement	653 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Stone
Foundation Type	No Foundation
Lot Area	33,062 sqft (0.759 acres)
Lot Dimensions	1.7 ft deep x 1.7 ft wide
Terrain	Below Road/Slope
Garage Area	2,088 sqft
Parking Spaces	7 Parking Spaces
Porch	Porch
Porch Area	312 sqft
Patio Area	1,224 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	013971-7
Street Address	7020 OLD RIVER RD
City	PHILO
State	OH
Zip	43771-9725
Property Category	Residential
Property Type	Residential > Specialized > Other
Legal Description	R 12 TP 12 SEC 8 0.759A
Legal Range	12
Legal Township	12
Legal Section	08
Jurisdiction	MUSKINGUM OH
Township / Civil Division	HARRISON
Census Block Group	3
Census Block	3001
Census Tract	912500

Owner

Source: Muskingum County records · APN 20-40-08-02-000

Assessment roll updated March 5, 2026 · Last verified July 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 File
Mailing Address	7020 OLD RIVER RD, PHILO, OH 43771-9725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2022	Deed of Trust, Mortgage · Line of Credit BAYER HERITAGE FCU
Jul 07, 2021	Warranty Deed, Transfer · Conventional Mortgage BAYER HERITAGE FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 07, 2021 · Amount on Record
Deed Sale	Jul 07, 2021 · Amount on Record
Deed Book / Page	3005 / 772
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MUSKINGUM OH
Property Address	7020 OLD RIVER RD, PHILO, OH 43771-9725
Transaction Type	Mortgage
Record Updated	Dec 09, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003115/542
Date	Nov 28, 2022
Book Page	3115/542

Lender

Name	BAYER HERITAGE FCU
Type	Credit Union
Address	PROCTOR, WV 26055

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 21, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MUSKINGUM OH
Recording Date	Jul 07, 2021
Property Address	7020 OLD RIVER RD, PHILO, OH 43771-9725
Document Number	003005/772
Book / Page	3005 / 772
Instrument Date	Jul 07, 2021
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	7020 OLD RIVER RD, PHILO, OH 43771-9725

Mortgage

Document Number	0003005775
Date	Jul 07, 2021
Instrument	3005/775

Lender

Name	BAYER HERITAGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Aug 01, 2026
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	4.37%
Index	Other
Max Rate	8.37%

Tax Assessment & Valuation

Source: Muskingum County records · Assessment roll updated March 5, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Muskingum County
County Subdivision	Harrison Township
Unified School District	Franklin Local School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$431.00 (+17.44%)	$13,720 (+40.5%) Land $5,950 Building $7,770
2024			$39,200 (+40.5%) Land $17,000 Building $22,200
2023	$367.00	$9,765 Land $3,360 Building $6,405
2021			$27,900 Land $9,600 Building $18,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Muskingum County (39119C), as of July 26, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391199125003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	9 in force
Nearby Flood Claims	19 (1982–2026)
Claims Outside the SFHA	4 of 19
Most Recent Claim	May 2026
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 7 claims Severe Storms, Flooding, And Tornadoes, Jun 1998 · 2 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Ampersand Technologies.

Based on FCC filings for 4 locations within half a mile of this property.

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