81 S Gamble St, Shelby, OH 44875 Property Records

Richland County property record for 81 S Gamble St, Shelby, OH 44875

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,361 sqft · built 1923
Lot Size	0.194 acres (8,468 sqft)
Owner	2 Individual Names on Record
Last Sale	$106,000 (Sep 2020)
Tax Bill	$1,338 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`046-08-112-14-000`

Property Details

APN / Parcel Number

Primary APN	`046-08-112-14-000`
Alternative APN	`03277`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,361 sqft Living Area
1st Floor Area	672 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1977
Architectural Style	Cape Cod
Exterior Material	Aluminum Siding
Lot Area	8,468 sqft (0.194 acres)
Lot Dimensions	160 ft deep x 53 ft wide

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Deck Area	96 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	81 S GAMBLE ST
City	SHELBY
State	OH
Zip	44875-1540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	698 C PT 53 X 159.80 8,468.65 SQ FT
Jurisdiction	RICHLAND OH
Township / Civil Division	SHARON
Census Block Group	2
Census Block	2024
Census Tract	2600

Owner

Source: Richland County records, as of July 20, 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	81 S GAMBLE ST, SHELBY, OH 44875-1540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2018	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL BANK OF OHIO
Sep 17, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2020 · Amount on Record
Deed Sale	Sep 17, 2020 · Amount on Record
Prior Sale	Sep 1, 1987 · Amount on Record
Deed Document Number	202011087
Deed Book / Page	2819 / 694
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	81 S GAMBLE ST, SHELBY, OH 44875-1540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BARRISTER TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2607/0428
Date	Mar 2, 2018
Book Page	2607/0428
Instrument	201800002415

Lender

Name	FIRST FEDERAL BANK OF OHIO
Type	Bank
Address	GALION, OH 44833

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Feb 25, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND OH
Recording Date	Sep 17, 2020
Property Address	81 S GAMBLE ST, SHELBY, OH 44875-1540
Document Number	002819/694
Book / Page	2819 / 694
Instrument Date	Sep 4, 2020
Instrument	202000011087
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BARRISTER TITLE GROUP

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 LEXNATON AVE, MANSFIELD, OH 44907

Mortgage

Document Number	202000011088
Date	Sep 17, 2020
Instrument	202000011088

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Richland County assessment roll, as of April 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Richland County
County Subdivision	Sharon Township
Municipality	Shelby City
Unified School District	Shelby City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,338.00 (+0.07%)	$35,930 (-) Land $7,670 Building $28,260
2024	$1,337.00 (-2.76%) Homeowner's exemption	$35,930 (-) Land $7,670 Building $28,260
2023	$1,375.00 (+1.7%) Homeowner's exemption	$35,930 (+13.49%) Land $7,670 Building $28,260	$102,660 (+13.51%) Land $21,910 Building $80,750
2022	$1,352.00 Homeowner's exemption	$31,660 Land $7,350 Building $24,310
2020			$90,440 Land $20,990 Building $69,450

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.

Flood

Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	27 (1979–2011)
Claims Outside the SFHA	6 of 27
Most Recent Claim	Feb 2011 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 10 claims Severe Storms And Flooding, Jun 2004 · 4 claims Severe Storms & Flooding, Jul 1987 · 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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SHELBY CITY serves 9,453 people · EPA ID OH7004511
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Brightspeed Fiber	2,000 / 2,000
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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