87 2nd St, Shelby, OH 44875 Property Records

Richland County property record for 87 2nd St, Shelby, OH 44875

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,327 sqft · built 1904
Lot Size	0.187 acres (8,159 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Feb 2021)
Tax Bill	$731 (2025)
Deeds & Mortgages	May 2021 Mortgage Sep 2020 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`046-08-103-10-000`

Property Details

APN / Parcel Number

Primary APN	`046-08-103-10-000`
Alternative APN	`08096`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,327 sqft Living Area
1st Floor Area	416 sqft
Attic	Attic
Attic Area	120 sqft
Basement Area	120 sqft
Unfinished Basement	120 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Other
Exterior Material	Aluminum Siding
Lot Area	8,159 sqft (0.187 acres)
Lot Dimensions	160 ft deep x 51 ft wide

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	286 sqft
Patio Area	286 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	87 2ND ST
City	SHELBY
State	OH
Zip	44875-1038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	815 51 X 160
Jurisdiction	RICHLAND OH
Township / Civil Division	SHARON
Census Block Group	4
Census Block	4018
Census Tract	2600

Owner

87 2nd St is owned and occupied by two individuals who acquired it in March 2024.

Source: Richland County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1205 STATE ROUTE 603 W, SHILOH, OH 44878-8840
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK OF OHIO
Sep 2, 2020	Deed of Trust, Mortgage · Line of Credit THE APPLE CREEK BANKING CO
Mar 13, 2024	Transfer on Death Deed, Transfer
May 23, 2023	Agreement of Sale, Transfer
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK OF OHIO
Feb 24, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK OF OHIO
Sep 2, 2020	Deed of Trust, Mortgage · Line of Credit THE APPLE CREEK BANKING CO
Feb 8, 2016	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2021 · Amount on File
Deed Sale	Feb 24, 2021 · Amount on File
Prior Sale	Feb 8, 2016 · Amount on File
Deed Document Number	20212565
Deed Book / Page	2866 / 54
Last Transfer Date	Mar 13, 2024
Transfer Doc	03012/5477
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	87 2ND ST, SHELBY, OH 44875-1038
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002866/56
Date	May 13, 2021
Book Page	2866/56
Instrument	202100006596

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Mar 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	87 2ND ST, SHELBY, OH 44875-1038
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	HEARTLAND TITLE AGENCY, HEARTLAND TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002814/825
Date	Sep 2, 2020
Book Page	2814/825
Instrument	202000010334

Lender

Name	THE APPLE CREEK BANKING CO
Type	Bank
Address	APPLE CREEK, OH 44606

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	RICHLAND OH
Recording Date	Mar 13, 2024
Property Address	87 2ND ST, SHELBY, OH 44875-1038
Document Number	03012/5477
Book / Page	3012 / 5477
Instrument Date	Mar 8, 2024
Instrument	202400002301
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 STATE ROUTE 603 W, SHILOH, OH 44878-8840

May 2023: Agreement of Sale, Transfer

Document Type	Agreement of Sale
Jurisdiction	RICHLAND OH
Recording Date	May 23, 2023
Property Address	87 2ND ST, SHELBY, OH 44875-1038
Document Number	03003/3110
Book / Page	3003 / 3110
Instrument Date	May 12, 2023
Instrument	202300004658
Transaction Type	Transfer
Record Updated	Jun 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	87 2ND ST, SHELBY, OH 44875-1038
Transaction Type	Mortgage
Record Updated	May 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2866/56
Date	May 13, 2021
Book Page	2866/56
Instrument	202100006596

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Mar 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND OH
Recording Date	Feb 24, 2021
Property Address	87 2ND ST, SHELBY, OH 44875-1038
Document Number	0002866/54
Book / Page	2866 / 54
Instrument Date	Feb 18, 2021
Instrument	202100002565
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BARRISTER TITLE GROUP

Transaction

Amount	Amount on Record
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
Relationship	Right of Survivorship
Address	1205 STATE ROUTE 603 W, SHILOH, OH 44878-8840

Mortgage

Document Number	202100002566
Date	Feb 24, 2021
Instrument	202100002566

Lender

Name	FIRST FEDERAL BANK OF OHIO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	87 2ND ST, SHELBY, OH 44875-1038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HEARTLAND TITLE AGENCY, HEARTLAND TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2814/825
Date	Sep 2, 2020
Book Page	2814/825
Instrument	202000010334

Lender

Name	THE APPLE CREEK BANKING CO
Type	Bank
Address	APPLE CREEK, OH 44606

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND OH
Recording Date	Feb 8, 2016
Property Address	87 2ND ST, SHELBY, OH 44875-1038
Document Number	02438/0882
Book / Page	2438 / 0882
Instrument Date	Feb 5, 2016
Instrument	201600001273
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	SOUTHERN TITLE

Transaction

Amount	Amount 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	87 2ND ST, SHELBY, OH 44875-1038
Investor	Possibly a Property Investor

Mortgage

Document Number	02438/0884
Date	Feb 8, 2016
Book Page	2438/0884
Instrument	201600001274

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 87 2nd St was $731 with a homeowner's exemption, up 0.1% from the year before.

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	$731.00 (+0.14%)	$19,630 (-) Land $3,490 Building $16,140
2024	$730.00 (-2.8%) Homeowner's exemption	$19,630 (-) Land $3,490 Building $16,140
2023	$751.00 (+17.53%) Homeowner's exemption	$19,630 (+31.04%) Land $3,490 Building $16,140	$56,100 Land $9,980 Building $46,120
2022	$639.00 Homeowner's exemption	$14,980 Land $3,630 Building $11,350
2020			$42,800 Land $10,380 Building $32,420

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

FEMA maps place 87 2nd St in Zone X, an area of minimal flood risk, though there have been 82 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	82 (1979–2011)
Claims Outside the SFHA	11 of 82
Most Recent Claim	Feb 2011 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 39 claims Severe Storms And Flooding, Jun 2004 · 6 claims Severe Storms & Flooding, Jul 1987 · 12 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

Wildfire risk around 87 2nd St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 330 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Watch TV.

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