856 Royal Cir, Howard, OH 43028 Property Records

Knox County property record for 856 Royal Cir, Howard, OH 43028

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,196 sqft · built 2004
Lot Size	0.266 acres (11,587 sqft)
Owner	2 Individual Names on Record
Last Sale	$131,500 (Nov 2016)
Tax Bill	$2,836 (2025)
Deeds & Mortgages	Sep 2026 Transfer Sep 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-00125.000`

Property Details

APN / Parcel Number

Primary APN	`31-00125.000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Basement Area	1,196 sqft
Finished Basement	600 sqft
Unfinished Basement	596 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Lot Area	11,587 sqft (0.266 acres)
Lot Dimensions	200 ft deep x 58 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Patio Area	616 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas

Location & Zoning

Street Address	856 ROYAL CIR
City	HOWARD
State	OH
Zip	43028-9370
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KING BEACH TERRACE LOT #125
Legal Subdivision	KING BEACH TERRACE
Legal Lot Number	125
Jurisdiction	KNOX OH
Township / Civil Division	HOWARD
Census Block Group	1
Census Block	1037
Census Tract	6801

Owner

Source: Knox County records, as of October 6, 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	20979 DANVILLE AMITY RD, MOUNT VERNON, OH 43050-8304
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 12, 2019	Deed of Trust, Mortgage · Line of Credit HOME LN SVGS BK
Aug 1, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 2, 2017	Quit Claim Deed, Mortgage · Conventional Mortgage CES CU INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2016 · Amount on Record
Deed Sale	Nov 18, 2016 · Amount on Record
Prior Sale	Jun 9, 2006 · Amount on Record
Deed Document Number	20169328
Deed Book / Page	1592 / 401
Last Transfer Date	Sep 15, 2026
Transfer Doc	0000007356
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KNOX OH
Recording Date	Sep 16, 2026
Property Address	856 ROYAL CIR, HOWARD, OH 43028-9370
Document Number	0000007356
Book / Page	2150 / 31
Instrument Date	Sep 15, 2026
Instrument	20267356
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	20979 DANVILLE AMITY RD, MOUNT VERNON, OH 43050-8304

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX OH
Property Address	856 ROYAL CIR, HOWARD, OH 43028-9370
Document Number	0017400556
Instrument Date	Sep 12, 2019
Transaction Type	Mortgage
Record Updated	Oct 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	572 MCINTOSH DR MOUNT VERNON OH 43050, MOUNT VERNON, OH 43050

Mortgage

Document Number	0017400556
Date	Sep 16, 2019
Book Page	001740/000556
Instrument	6955

Lender

Name	HOME LN SVGS BK
Type	Federal Savings Bank
Address	COSHOCTON, OH 43812-1547

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KNOX OH
Recording Date	Aug 1, 2019
Property Address	856 ROYAL CIR, HOWARD, OH 43028-9370
Document Number	0017330085
Book / Page	001733 / 000085
Instrument Date	Jul 31, 2019
Instrument	5611
Transaction Type	Transfer
Record Updated	Aug 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	572 MCINTOSH DR HOWARD OH 430289569, HOWARD, OH 43028-9569

March 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KNOX OH
Recording Date	Mar 2, 2017
Property Address	856 ROYAL CIR, HOWARD, OH 43028-9370
Document Number	0016070511
Book / Page	001607 / 000511
Instrument Date	Mar 1, 2017
Instrument	1724
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	856 ROYAL CIR HOWARD OH 430289370, HOWARD, OH 43028-9370

Mortgage

Document Number	16070513
Date	Mar 2, 2017
Book Page	001607/000513
Instrument	1725

Lender

Name	CES CU INC
Type	Funding / Finance Company
Address	MOUNT VERNON, OH 43050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: Knox County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Knox County
County Subdivision	Howard Township
Unified School District	East Knox Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$223,370 (-) Land $10,970 Building $212,400
2025	$2,836.00 (-9.6%)	$78,180 (-) Land $3,840 Building $74,340
2024	$3,137.00 (+0.35%)	$78,180 (-) Land $3,840 Building $74,340
2023	$3,126.00 (+20.98%)	$78,180 (+41.02%) Land $3,840 Building $74,340	$223,370 (+41%) Land $10,970 Building $212,400
2022	$2,584.00	$55,440 Land $2,720 Building $52,720
2020			$158,420 Land $7,780 Building $150,640

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 July 7, 2009

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Drinking Water

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

Water System	KNOX COUNTY WATER AND WASTEWATER PWS private · serves 8,250 people · EPA ID OH4202012
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	2 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	2 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Mercury Fiber.

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