965 Graves Rd, Chillicothe, OH 45601 Property Records

Ross County property record for 965 Graves Rd, Chillicothe, OH 45601

Property Summary

Property Type	Single Family Home
Details	1 ba · 912 sqft · built 1956
Lot Size	5.95 acres (259,182 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Apr 2026)
Tax Bill	$964 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-01-04-032.000`

Property Details

APN / Parcel Number

Primary APN	`14-01-04-032.000`
Alternative APN	`010403`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Wood
Construction Type	Wood
Roof Material	Other
Lot Area	259,182 sqft (5.95 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Canopy	140 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	010403
Street Address	965 GRAVES RD
City	CHILLICOTHE
State	OH
Zip	45601-8443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	965 GRAVES RD RES 1-4-32 301/792
Jurisdiction	ROSS OH
Township / Civil Division	GREEN
Census Block Group	4
Census Block	4003
Census Tract	956600

Owner

965 Graves Rd is owned and occupied by an individual who bought it in April 2026.

Source: Ross County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	965 GRAVES RD, CHILLICOTHE, OH 45601-8443
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
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage ATOMIC CREDIT UNION
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage ATOMIC CREDIT UNION
Nov 8, 2023	Sheriff's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2026 · Amount on File
Deed Sale	Apr 17, 2026 · Amount on File
Prior Sale	May 29, 2024 · Amount on File
Deed Document Number	20262623
Deed Book / Page	590 / 5355
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSS OH
Recording Date	Apr 17, 2026
Property Address	965 GRAVES RD, CHILLICOTHE, OH 45601-8443
Document Number	0005905355
Book / Page	590 / 5355
Instrument Date	Mar 24, 2026
Instrument	20262623
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	VALMER LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 GRAVES RD, CHILLICOTHE, OH 45601-8443
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002624,
Date	Apr 17, 2026
Instrument	20262624

Lender

Name	ATOMIC CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROSS OH
Recording Date	Apr 17, 2026
Property Address	965 GRAVES RD, CHILLICOTHE, OH 45601-8443
Document Number	0000002623
Book / Page	590 / 5355
Instrument Date	Mar 24, 2026
Instrument	2026.2623
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	VALMER LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 GRAVES RD, CHILLICOTHE, OH 45601-8443
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002624,
Date	Apr 17, 2026
Instrument	2026..2624

Lender

Name	ATOMIC CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.43%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ROSS OH
Recording Date	Nov 8, 2023
Property Address	965 GRAVES RD, CHILLICOTHE, OH 45601-8443
Document Number	0005715205
Book / Page	571 / 5205
Instrument Date	Oct 27, 2023
Instrument	202300007423
Transaction Type	Foreclosure
Record Updated	Nov 23, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2822 HILLIARD ROME RD, HILLIARD, OH 43026-9608

Tax Assessment & Valuation

The 2025 property tax bill for 965 Graves Rd was $964, down 37.2% from the year before.

Source: Ross County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ross County
County Subdivision	Green Township
Unified School District	Zane Trace Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$964.00 (-37.16%)	$28,700 (-29.64%) Land $9,420 Building $19,280	$82,000 (-29.64%) Land $26,920 Building $55,080
2024	$1,534.00 (-0.2%)	$40,790 (-) Land $14,000 Building $26,790	$116,540 Land $40,010 Building $76,530
2023	$1,537.00 (-0.26%) Homeowner's exemption	$40,790 (-) Land $14,000 Building $26,790
2022	$1,541.00 Homeowner's exemption	$40,790 Land $14,000 Building $26,790	$116,540 Land $40,010 Building $76,530

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 965 Graves Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 7, 2023 · 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	1 in force

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 965 Graves Rd is low, with a 0.02% annual chance of 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	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	ROSS COUNTY WATER CO INC private · serves 35,345 people · EPA ID OH7101412
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	2 ppb (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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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