95 N Gamble St, Shelby, OH 44875 Property Records

Richland County property record for 95 N Gamble St, Shelby, OH 44875

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,920 sqft · built 1920
Lot Size	0.455 acres (19,798 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jul 2024)
Tax Bill	$1,427 (2025)
Deeds & Mortgages	Jul 2025 Mortgage Jul 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`046-08-109-12-000`

Property Details

APN / Parcel Number

Primary APN	`046-08-109-12-000`
Alternative APN	`04173`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,920 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1976
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Lot Area	19,798 sqft (0.455 acres)
Lot Dimensions	300 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	140 sqft
Patio Area	144 sqft
Canopy	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	95 N GAMBLE ST
City	SHELBY
State	OH
Zip	44875-1020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OL 45 66 X 300 FT
Legal Subdivision	SHELBY
Jurisdiction	RICHLAND OH
Township / Civil Division	SHARON
Census Block Group	4
Census Block	4009
Census Tract	2600

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	95 N GAMBLE ST, SHELBY, OH 44875-1020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jul 8, 2024	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Nov 7, 2023	Fiduciary Deed, Transfer
Nov 7, 2023	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2024 · Amount on Record
Deed Sale	Jul 8, 2024 · Amount on Record
Prior Sale	Nov 7, 2023 · Amount on Record
Deed Document Number	20246370
Deed Book / Page	3016 / 4033
Prior Transfer Date	Jun 8, 2005
Prior Transfer Doc	01527/0229
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	95 N GAMBLE ST, SHELBY, OH 44875-1020
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 N GAMBLE ST, SHELBY, OH 44875-1020

Mortgage

Document Number	03029/4265
Date	Jul 9, 2025
Book Page	3029/4265
Instrument	202500007008

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2055

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND OH
Recording Date	Jul 8, 2024
Property Address	95 N GAMBLE ST, SHELBY, OH 44875-1020
Document Number	202400006370
Instrument Date	Jul 5, 2024
Instrument	202400006370
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	BARRISTER TITLE GROUP

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	95 N GAMBLE ST, SHELBY, OH 44875-1020

Mortgage

Document Number	202400006371
Date	Jul 8, 2024
Instrument	202400006371

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

November 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	RICHLAND OH
Recording Date	Nov 7, 2023
Property Address	95 N GAMBLE ST, SHELBY, OH 44875-1020
Document Number	03009/2594
Book / Page	3009 / 2594
Instrument Date	Nov 3, 2023
Instrument	202300011097
Transaction Type	Transfer
Record Updated	Nov 15, 2023

Transaction

Amount	Amount Recorded
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	1606 ROUSH RD, SHELBY, OH 44875-8861

November 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	RICHLAND OH
Recording Date	Nov 7, 2023
Property Address	95 N GAMBLE ST, SHELBY, OH 44875-1020
Document Number	03009/2591
Book / Page	3009 / 2591
Instrument Date	Nov 3, 2023
Instrument	202300011096
Transaction Type	Transfer
Record Updated	Nov 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	95 N GAMBLE ST, SHELBY, OH 44875-1020

Tax Assessment & Valuation

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	$1,427.00 (+0.07%)	$38,310 (-) Land $4,960 Building $33,350
2024	$1,426.00 (+27.89%) Homeowner's exemption	$38,310 (-) Land $4,960 Building $33,350
2023	$1,115.00 (+0.54%) Homeowner's exemption	$38,310 (+14.39%) Land $4,960 Building $33,350	$109,440 (+14.38%) Land $14,160 Building $95,280
2022	$1,109.00 Homeowner's exemption	$33,490 Land $5,160 Building $28,330
2020			$95,680 Land $14,730 Building $80,950

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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

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

Wildfire Risk	Low lower than 96% of the US · lower than 81% 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 304 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
AT&T Fixed Wireless	100 / 20

May also be available: Watch TV, Wavelinc Communications.

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