97 Grayson Ct, Shelby, OH 44875 Property Records

Richland County property record for 97 Grayson Ct, Shelby, OH 44875

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,034 sqft · built 1994
Lot Size	0.384 acres (16,746 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Apr 2022)
Tax Bill	$3,370 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017-80-210-01-052`

Property Details

APN / Parcel Number

Primary APN	`017-80-210-01-052`
Alternative APN	`01310`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,034 sqft Living Area
1st Floor Area	952 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Aluminum Siding
Lot Area	16,746 sqft (0.384 acres)
Lot Dimensions	173 ft deep x 100 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Patio Area	72 sqft
Balcony Area	28 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	97 GRAYSON CT
City	SHELBY
State	OH
Zip	44875-1874
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3980 100 X 173.66 X
Jurisdiction	RICHLAND OH
Township / Civil Division	JACKSON
Census Block Group	2
Census Block	2011
Census Tract	2700

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	97 GRAYSON CT, SHELBY, OH 44875-1874
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Apr 4, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL COMMUNITY BANK OF BUC
Sep 21, 2021	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2022 · Amount on Record
Deed Sale	Apr 4, 2022 · Amount on Record
Prior Sale	Oct 26, 1994 · Amount on Record
Deed Document Number	20224156
Deed Book / Page	2989 / 602
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	97 GRAYSON CT, SHELBY, OH 44875-1874
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 GRAYSON CT, SHELBY, OH 44875-1874

Mortgage

Document Number	002932/426
Date	Sep 21, 2021
Book Page	2932/426
Instrument	202100013381

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RICHLAND OH
Recording Date	Apr 4, 2022
Property Address	97 GRAYSON CT, SHELBY, OH 44875-1874
Document Number	002989/602
Book / Page	2989 / 602
Map Reference	VOL 26 PG 78
Instrument Date	Mar 31, 2022
Instrument	202200004156
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	STONEGATE

Transaction

Amount	Amount Recorded
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	97 GRAYSON CT, SHELBY, OH 44875-1874

Mortgage

Document Number	202200004157
Date	Apr 4, 2022
Instrument	202200004157

Lender

Name	FIRST FEDERAL COMMUNITY BANK OF BUC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Apr 1, 2027
Change Frequency	5 Years
Min Rate At Change	4.75%
Max Rate At Change	5.75%
Index	5-Year CMT
Max Rate	9.75%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHLAND OH
Property Address	97 GRAYSON CT, SHELBY, OH 44875-1874
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 GRAYSON CT, SHELBY, OH 44875-1874

Mortgage

Document Number	2932/426
Date	Sep 21, 2021
Book Page	2932/426
Instrument	202100013381

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Richland County assessment roll, as of April 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Richland County
County Subdivision	Jackson 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	$3,370.00 (+0.03%)	$90,480 (-) Land $12,280 Building $78,200
2024	$3,369.00 (-2.71%) Homeowner's exemption	$90,480 (-) Land $12,280 Building $78,200
2023	$3,463.00 (+14.52%) Homeowner's exemption	$90,480 (+27.8%) Land $12,280 Building $78,200	$258,520 (+27.8%) Land $35,090 Building $223,430
2022	$3,024.00 Homeowner's exemption	$70,800 Land $11,980 Building $58,820
2020			$202,290 Land $34,220 Building $168,070

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

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1987–2011)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 2011 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 2 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	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	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 44 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 / 35
Verizon Fixed Wireless	300 / 20

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