823 Oakleaf Rd, Mount Orab, OH 45154 Property Records

Highland County property record for 823 Oakleaf Rd, Mount Orab, OH 45154 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,623 sqft · built 2003
Lot Size	5 acres (218,148 sqft)
Owner	2 Individual Names on File
Last Sale	$25,000 (Jul 2003)
Tax Bill	$2,824 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-23-000-059.12`

Property Details

APN / Parcel Number

Primary APN	`05-23-000-059.12`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,623 sqft Living Area
1st Floor Area	1,623 sqft
Basement Area	1,623 sqft
Finished Basement	1,623 sqft
Unfinished Basement	1,623 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Wood
Lot Area	218,148 sqft (5 acres)
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	823 OAKLEAF RD
City	MOUNT ORAB
State	OH
Zip	45154-8727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MARILYN GRAY SUB 3 I/L 11
Legal Subdivision	MARILYN GRAY SUB
Legal Lot Number	11
Jurisdiction	HIGHLAND OH
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3039
Census Tract	955200

Owner

Source: Highland County records · APN 05-23-000-059.12

Assessment roll updated April 21, 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	823 OAKLEAF RD, MOUNT ORAB, OH 45154-8727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Survivor

Deeds, Mortgages & Sale History

Date	Document
May 05, 2026	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Oct 12, 2022	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Jun 07, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 01, 2003 · Amount on Record
Deed Sale	Jul 01, 2003 · Amount on Record
Deed Document Number	20036547
Deed Book / Page	477 / 941
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLAND OH
Recording Date	May 05, 2026
Property Address	823 OAKLEAF RD, MOUNT ORAB, OH 45154-8727
Document Number	0000002155
Book / Page	1021 / 5342
Instrument Date	Apr 13, 2026
Instrument	20262155
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 OAKLEAF RD, MOUNT ORAB, OH 45154-8727
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002155,
Date	May 05, 2026
Book Page	1021/5342
Instrument	20262155

Lender

Name	GUARDIAN SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 12, 2036

Interest

Rate	6.11%
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLAND OH
Property Address	823 OAKLEAF RD, MOUNT ORAB, OH 45154-8727
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 OAKLEAF RD, MOUNT ORAB, OH 45154-8727

Mortgage

Document Number	01003/1422
Date	Oct 12, 2022
Book Page	1003/1422
Instrument	202200005663

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 20, 2032

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HIGHLAND OH
Property Address	823 OAKLEAF RD, MOUNT ORAB, OH 45154-8727
Transaction Type	Mortgage
Record Updated	Jun 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	976/4366
Date	Jun 07, 2018
Book Page	976/4366
Instrument	201800002636

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 01, 2033

Tax Assessment & Valuation

Source: Highland County records · Assessment roll updated April 21, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Highland County
County Subdivision	Clay Township
Unified School District	Lynchburg-Clay Local School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,824.00	$96,355 (-0.01%) Land $17,745 Building $78,610	$275,300 (-) Land $50,700 Building $224,600
2024	$2,824.00 (-11.33%) Homeowner's exemption	$96,360 (+27.21%) Land $17,750 Building $78,610	$275,300 (+27.22%) Land $50,700 Building $224,600
2023		$75,750 (-) Land $15,720 Building $60,030
2022	$3,185.00 (+2.44%) Homeowner's exemption	$75,750 Land $15,720 Building $60,030
2021	$3,109.00		$216,400 Land $44,900 Building $171,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Highland County (39071C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390719552003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 64% of Ohio
Wildfire Likelihood	About 1 in 10,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 19 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Fiber	1,000 / 1,000
Cincinnati Bell	Fixed Wireless (licensed-by-rule)	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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