809 State Rte 522, Pedro, OH 45659 Property Records

Lawrence County property record for 809 State Rte 522, Pedro, OH 45659

Property Summary

Property Type	Farm - Irrigated or Dry
Details	4 bd · 1 ba · 2,256 sqft · built 1890
Lot Size	9.57 acres (416,869 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,677 (Dec 2025)
Tax Bill	$811 (2024)
Deeds & Mortgages	Jul 2024 Line of Credit Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-065-0401.000`

Property Details

APN / Parcel Number

Primary APN	`04-065-0401.000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,256 sqft Gross Area
1st Floor Area	1,128 sqft
Upper Floors Area	972 sqft
Basement Area	156 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Raised
Lot Area	416,869 sqft (9.57 acres)

Exterior Amenities

Porch	Open Frame Porch
Porch Area	428 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	809 STATE ROUTE 522
City	PEDRO
State	OH
Zip	45659-8988
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	19-2-07 PT 5 AUD PLAT LESS 2.00,1.20 BAL 9.57AC
Legal Subdivision	ROCK HILL
Jurisdiction	LAWRENCE OH
Township / Civil Division	ELIZABETH
Census Block Group	1
Census Block	1017
Census Tract	50700

Owner

Source: Lawrence County records, as of July 17, 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	809 STATE ROUTE 522, PEDRO, OH 45659-8988
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2024	Deed of Trust, Mortgage · Line of Credit ASHLAND CU
Dec 10, 2025	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Mar 29, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on Record
Deed Sale	Dec 10, 2025 · Amount on Record
Prior Sale	Oct 31, 2016 · Amount on Record
Deed Document Number	20256430
Deed Book / Page	1293 / 828
Prior Transfer Date	May 13, 1997
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE OH
Property Address	809 STATE ROUTE 522, PEDRO, OH 45659-8988
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	BESTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002967
Date	Jul 2, 2024
Book Page	1227/682
Instrument	2024-00002967

Lender

Name	ASHLAND CU
Type	Credit Union
Address	1300 CENTRAL AVE, ASHLAND, KY 41101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 28, 2049

Interest

Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Dec 10, 2025
Property Address	809 STATE ROUTE 522, PEDRO, OH 45659-8988
Document Number	0000006430
Book / Page	1293 / 828
Map Reference	VOL 874 PG 121
Instrument Date	Nov 26, 2025
Instrument	2025-00006430
Transaction Type	Transfer
Record Updated	Dec 22, 2025
Title Company	FIRST NATIONS TITLE, FIRST NATIONAL T&E

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	809 STATE ROUTE 522, PEDRO, OH 45659-8988

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 STATE ROUTE 522, PEDRO, OH 45659-8988

Mortgage

Document Number	0000006431
Date	Dec 10, 2025
Instrument	2025-00006431

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE OH
Recording Date	Mar 29, 2022
Property Address	809 STATE ROUTE 522, PEDRO, OH 45659-8988
Document Number	0000001910
Book / Page	1131 / 318
Instrument Date	Mar 28, 2022
Instrument	2022-00001910
Transaction Type	Transfer
Record Updated	Apr 7, 2022

Transaction

Amount	Amount Recorded
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	657 ROUTE 522, PEDRO, OH 45659

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Lawrence County
County Subdivision	Elizabeth Township
Unified School District	Rock Hill Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$36,925 (+28.3%) Land $11,200 Building $25,725	$105,500 (+28.31%) Land $32,000 Building $73,500
2024	$811.00 (-0.12%) Homeowner's exemption	$28,780 (-) Land $8,200 Building $20,580
2023	$812.00 (+0.5%) Homeowner's exemption	$28,780 (-) Land $8,200 Building $20,580
2022	$808.00 Homeowner's exemption	$28,780 Land $8,200 Building $20,580	$82,220 Land $23,420 Building $58,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 1, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (2008–2021)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jun 2021 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2011 · 2 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 62% of the US · above 97.6% of Ohio
Wildfire Likelihood	0.05% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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