98 3rd St, Rayland, OH 43943 Property Records

Jefferson County property record for 98 3rd St, Rayland, OH 43943

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1999
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on Record
Tax Bill	$1,351 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`41-00905-000`

Property Details

APN / Parcel Number

Primary APN	`41-00905-000`
Alternative APN	`00905`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Other
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard

Location & Zoning

Street Address	98 3RD ST
City	RAYLAND
State	OH
Zip	43943-7819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	54 UPLAND PARK 40X120 MAP-41-22A0-06900
Jurisdiction	JEFFERSON OH
Township / Civil Division	WARREN
Census Block Group	2
Census Block	2027
Census Tract	12200

Owner

Source: Jefferson County records, as of July 7, 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	98 3RD ST, RAYLAND, OH 43943-7819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS SAVINGS BANK
Jul 31, 2020	Deed of Trust, Mortgage · Line of Credit UNITED BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON OH
Property Address	98 3RD ST, RAYLAND, OH 43943-7819
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1430/847
Date	Jul 31, 2020
Book Page	1430/847
Instrument	357662

Lender

Name	THE CITIZENS SAVINGS BANK
Type	Bank
Address	MARTINS FERRY, OH 43935

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 29, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON OH
Property Address	98 3RD ST, RAYLAND, OH 43943-7819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1430/867
Date	Jul 31, 2020
Book Page	1430/867
Instrument	357663

Lender

Name	UNITED BANK
Type	Bank
Address	MARTINS FERRY, OH 43935

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 24, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of April 7, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Jefferson County
County Subdivision	Warren Township
Unified School District	Buckeye Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,351.00	$39,953 (-) Land $1,946 Building $38,007
2024	$1,351.00 (-22.09%) Homeowner's exemption	$39,953 (+12.53%) Land $1,946 Building $38,007	$114,150 (+12.53%) Land $5,560 Building $108,590
2022	$1,734.00 Homeowner's exemption	$35,504 Land $1,680 Building $33,824
2021			$101,440 Land $4,800 Building $96,640

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 April 5, 2006 · 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	8 in force
Nearby Flood Claims	23 (1979–2018)
Claims Outside the SFHA	12 of 23
Most Recent Claim	Feb 2018 · Severe Storms, Landslides, And Mudslides
Claims by Event	Severe Storms And Flooding, Sep 2004 · 18 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	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	WARREN WATER AUTHORITY private · serves 481 people · EPA ID OH4102903
Water Source	Purchased groundwater from YORKVILLE VILLAGE PWS
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Mar 2025 Lead service line inventory Oct 2024
Monitoring and Reporting	13 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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