8875 Northgate Dr, Cambridge, OH 43725 Property Records

Guernsey County property record for 8875 Northgate Dr, Cambridge, OH 43725

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,314 sqft · built 1977
Lot Size	0.25 acres (10,900 sqft)
Owner	Trust Name on Record
Tax Bill	$2,155 (2025)
Deeds & Mortgages	Aug 2018 Reverse Mortgage Aug 2018 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-0002238.000`

Property Details

APN / Parcel Number

Primary APN	`02-0002238.000`
Alternative APN	`002815-7`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,314 sqft Living Area
1st Floor Area	1,314 sqft
Basement Area	1,170 sqft
Finished Basement	392 sqft
Unfinished Basement	778 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Frame
Roof Material	Shingle
Lot Area	10,900 sqft (0.25 acres)
Lot Dimensions	109 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	576 sqft
Porch	Slab
Porch Area	384 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	002815-7
Street Address	8875 NORTHGATE DR
City	CAMBRIDGE
State	OH
Zip	43725-9629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R3 T2 SS03-02 36 NORTHGATE ALLOTMENT
Legal Range	03W
Legal Township	02N
Legal Section	03
Legal Subdivision	NORTHGATE ALLOTMENT
Legal Tract	2
Legal Lot Number	36
Jurisdiction	GUERNSEY OH
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1010
Census Tract	977400

Owner

Source: Guernsey County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	4504 MALLARD DR, READING, PA 19606-3300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2018	Deed of Trust, Mortgage · Reverse Mortgage COMMISSIONER OF HOUSING AND URBAN DEVELO
Aug 3, 2018	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	8875 NORTHGATE DR, CAMBRIDGE, OH 43725-9629
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	558/0588
Date	Aug 3, 2018
Book Page	558/0588
Instrument	201800004436

Lender

Name	COMMISSIONER OF HOUSING AND URBAN DEVELO
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	777 Months
Due	May 24, 2083

Interest

Rate Type	Adjustable Rate
Type Change Date	Aug 1, 2019
Max Rate At Change	5%
Index	LIBOR
Margin	2

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	8875 NORTHGATE DR, CAMBRIDGE, OH 43725-9629
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	558/0574
Date	Aug 3, 2018
Book Page	558/0574
Instrument	201800004435

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	777 Months
Due	May 24, 2083

Interest

Rate Type	Adjustable Rate
Rate	5.21%
Type Change Date	Aug 1, 2019
Index	LIBOR

Tax Assessment & Valuation

Source: Guernsey County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Guernsey County
County Subdivision	Cambridge Township
Unified School District	Cambridge City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,155.00 (-1.82%) Homeowner's exemption Senior Citizen's exemption	$60,032 (-) Land $10,630 Building $49,402
2024	$2,195.00 (+23.31%) Homeowner's exemption Senior Citizen's exemption	$60,032 (+24.79%) Land $10,630 Building $49,402	$171,520 (+24.8%) Land $30,370 Building $141,150
2023	$1,780.00 (-1.6%) Homeowner's exemption Senior Citizen's exemption	$48,107 (-0.01%) Land $8,435 Building $39,672
2022	$1,809.00 Homeowner's exemption	$48,110 Land $8,440 Building $39,670	$137,440 (-0.01%) Land $24,100 Building $113,340
2021			$137,450 Land $24,100 Building $113,350

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 16, 2011 · 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
Nearby Flood Policies	7 in force
Nearby Flood Claims	13 (1998–2022)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Feb 2022 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Sep 2004 · 5 claims Severe Storms, Flooding, And Tornadoes, Jun 1998 · 3 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GUERNSEY CO. WATER DEPT. serves 8,891 people · EPA ID OH3000603
Water Source	Purchased surface water from CITY OF CAMBRIDGE
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2024 Total trihalomethanes resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

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