89 Cherry St, Westerville, OH 43081 Property Records

Franklin County property record for 89 Cherry St, Westerville, OH 43081

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,311 sqft · built 1900
Lot Size	0.175 acres (7,645 sqft)
Owner	Individual Name on File
Tax Bill	$4,890 (2024)
Deeds & Mortgages	Aug 2025 Mortgage Feb 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-001224`

Property Details

APN / Parcel Number

Primary APN	`080-001224`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,311 sqft Living Area
1st Floor Area	735 sqft
Attic Area	729 sqft

Exterior

Year Built	Built 1900
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	7,645 sqft (0.175 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	89 CHERRY ST
City	WESTERVILLE
State	OH
Zip	43081-2211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	89W CHERRY ST 60X125FT ON CHERRY ST SANDERS OLD 9
Legal Subdivision	SANDERS ADD
Legal Lot Number	9
Jurisdiction	FRANKLIN OH
Township / Civil Division	WESTERVILLE
Census Block Group	2
Census Block	2002
Census Tract	7010

Owner

89 Cherry St is owned and occupied by an individual who acquired it in February 2025.

Source: Franklin County records, as of February 2, 2026

Owner of Record	Individual Name on File
Mailing Address	4133 CHERRY ORCHARD LN, COLUMBUS, OH 43230-1570
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Feb 6, 2025	Certificate of Transfer, Transfer
Apr 6, 2017	Grant Deed, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2025
Deed Sale	Feb 6, 2025
Deed Document Number	202502060011762
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN OH
Property Address	89 CHERRY ST, WESTERVILLE, OH 43081-2211
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	LANDSEL TITLE, LANDSEL TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 CHERRY ST, WESTERVILLE, OH 43081-2211

Mortgage

Document Number	0000082224
Date	Aug 4, 2025
Instrument	202508040082224

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

February 2025: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	FRANKLIN OH
Recording Date	Feb 6, 2025
Property Address	89 CHERRY ST, WESTERVILLE, OH 43081-2211
Document Number	0000011762
Map Reference	MB 7 PG 190
Instrument Date	Feb 6, 2025
Instrument	202502060011762
Transaction Type	Transfer
Record Updated	May 1, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4133 CHERRY ORCHARD LN, COLUMBUS, OH 43230-1570

April 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	FRANKLIN OH
Recording Date	Apr 6, 2017
Property Address	89 CHERRY ST, WESTERVILLE, OH 43081-2211
Instrument Date	Mar 29, 2017
Instrument	46208
Transaction Type	Mortgage
Record Updated	Jun 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 CHERRY ST WESTERVILLE OH 430812211, WESTERVILLE, OH 43081-2211

Mortgage

Document Number	0000046208
Date	Apr 6, 2017
Instrument	46208

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	DEPT NC 1N04 2361 MORSE RD, COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of August 1, 2024

Property Jurisdictions

Type	Name
State	Ohio
County	Franklin County
Municipality	Westerville City
Unified School District	Westerville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$4,890.00 (+21.58%) Homeowner's exemption Senior Citizen's exemption	$81,480 (-) Land $38,640 Building $42,840
2023	$4,022.00 (+25.96%) Homeowner's exemption	$81,480 (+54.96%) Land $38,640 Building $42,840	$232,800 Land $110,400 Building $122,400
2022	$3,193.00 Homeowner's exemption	$52,580 Land $22,510 Building $30,070
2020			$150,200 Land $64,300 Building $85,900

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

Flood

FEMA maps place 89 Cherry St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective June 4, 2026 · 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 Claims	1 (1981)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1981 · rainfall accumulation

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 89 Cherry 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	WESTERVILLE CITY PWS serves 39,000 people · EPA ID OH2503411
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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

Internet Providers

Source: FCC Broadband Data Collection, based on 385 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Bresco Broadband.

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