7706 Gardner Rd, Georgetown, OH 45121 Property Records

Brown County property record for 7706 Gardner Rd, Georgetown, OH 45121

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,104 sqft · built 1979
Lot Size	3.51 acres (152,896 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Jun 2010)
Tax Bill	$3,138 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jan 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016643-9`

Property Details

APN / Parcel Number

Primary APN	`016643-9`
Alternative APN	`21-041440-02-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,104 sqft Living Area
1st Floor Area	1,493 sqft
Upper Floors Area	764 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft
Flooring	Wood

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Brick
Roof Material	Asphalt
Lot Area	152,896 sqft (3.51 acres)
Garage Type	Mixed
Garage Area	1,344 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Account Number	016643-9
Street Address	7706 GARDNER RD
City	GEORGETOWN
State	OH
Zip	45121-8712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1716 LOT 1 3.51 A LEWIS TWP GEORGETOWN EVSD
Legal Subdivision	WOODCREEK SUBDIVISION
Legal Lot Number	1
Jurisdiction	BROWN OH
Township / Civil Division	LEWIS
Census Block Group	4
Census Block	4012
Census Tract	951900

Owner

Source: Brown County records, as of September 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	7706 GARDNER RD, GEORGETOWN, OH 45121-8712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Jan 30, 2023	Intrafamily Transfer, Transfer
Jul 18, 2022	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2010 · Amount on Record
Deed Sale	Jun 18, 2010 · Amount on Record
Prior Sale	Mar 9, 2010 · Amount on Record
Deed Document Number	20102890
Deed Book / Page	394 / 86
Last Transfer Date	Dec 22, 2025
Transfer Doc	0000006719
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BROWN OH
Property Address	7706 GARDNER RD, GEORGETOWN, OH 45121-8712
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005919
Date	Nov 17, 2025
Book Page	549/511
Instrument	202500005919

Lender

Name	FIRST STATE BANK
Type	Bank
Address	19230 STATE ROUTE 136, WINCHESTER, OH 45697

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2035
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	10.1%
Index	1-Year CMT
Max Rate	13.1%

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BROWN OH
Recording Date	Jan 30, 2023
Property Address	7706 GARDNER RD, GEORGETOWN, OH 45121-8712
Document Number	0000000439
Book / Page	520 / 3777
Map Reference	MB 2 PG 120&121
Instrument Date	Jan 17, 2023
Instrument	202300000439
Transaction Type	Transfer
Record Updated	Feb 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	7706 GARDNER RD, GEORGETOWN, OH 45121-8712

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BROWN OH
Property Address	7706 GARDNER RD, GEORGETOWN, OH 45121-8712
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004127
Date	Jul 18, 2022
Book Page	517/2927
Instrument	202200004127

Lender

Name	FIRST STATE BANK
Type	Bank
Address	MOUNT ORAB, OH 45154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Brown County assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Brown County
County Subdivision	Lewis Township
Unified School District	Georgetown Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,138.00	$97,720 (-) Land $14,650 Building $83,070
2024	$3,138.00 (+26.58%) Homeowner's exemption	$97,720 (+36.02%) Land $14,650 Building $83,070	$279,200 (+36.03%) Land $41,860 Building $237,340
2023	$2,479.00 (+53.5%) Homeowner's exemption	$71,840 (+53.47%) Land $10,190 Building $61,650
2022	$1,615.00 Homeowner's exemption	$46,810 Land $10,190 Building $36,620
2021			$205,250 Land $29,100 Building $176,150

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 September 29, 2010 · 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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	14 (1978–2025)
Claims Outside the SFHA	5 of 14
Most Recent Claim	Apr 2025 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Mar 1997 · 10 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 19 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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