Warren County property record for 985 Locust Ct, Mason, OH 45040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,965 sqft · built 1984 |
| Lot Size | 0.41 acres (17,898 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $489,000 (Aug 2026) |
| Tax Bill | $4,743 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Mar 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-35-252-003-0 |
| Primary APN | 16-35-252-003-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,965 sqft Living Area |
| Gross Area | 2,493 sqft |
| 1st Floor Area | 146 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Lot Area | 17,898 sqft (0.41 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 104 sqft |
| Patio Area | 352 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1141961 |
|---|---|
| Street Address | 985 LOCUST CT |
| City | MASON |
| State | OH |
| Zip | 45040-1467 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDING CREEK EST.4 LOT 116 |
| Legal Subdivision | WINDING CREEK EST.4 |
| Legal Block | 961 |
| Legal Lot Number | 116 |
| Jurisdiction | WARREN OH |
| Township / Civil Division | MASON |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 31904 |
Source: Warren County records, as of September 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 985 LOCUST CT, MASON, OH 45040-1467 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Aug 31, 2026 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE ACCEPTANCE |
| Mar 19, 2021 | Transfer on Death Deed, Transfer |
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES FIRST SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2026 · Amount on Record |
| Deed Sale | Aug 31, 2026 · Amount on Record |
| Prior Sale | Sep 28, 1982 · Amount on Record |
| Deed Document Number | 202624682 |
| Prior Transfer Date | Mar 12, 2024 |
| Prior Transfer Doc | 0000005414 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Aug 31, 2026 |
| Property Address | 985 LOCUST CT, MASON, OH 45040-1467 |
| Document Number | 0000024682 |
| Instrument Date | Aug 27, 2026 |
| Instrument | 202624682 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $148,167.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 985 LOCUST CT, MASON, OH 45040-1467 |
| Document Number | 0000024683, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 202624683 |
| Name | AMERICAN MORTGAGE ACCEPTANCE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | WARREN OH |
| Recording Date | Mar 19, 2021 |
| Property Address | 985 LOCUST CT, MASON, OH 45040-1467 |
| Document Number | 0000012890 |
| Map Reference | MB 11 PG 63 |
| Instrument Date | Mar 12, 2021 |
| Instrument | 2021-012890 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 985 LOCUST CT, MASON, OH 45040-1467 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN OH |
| Property Address | 985 LOCUST CT, MASON, OH 45040-1467 |
| Document Number | 0000038366 |
| Instrument Date | Sep 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 0000038366 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 38366 |
| Name | PEOPLES FIRST SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | MASON, OH 45040 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 29, 2035 |
Source: Warren County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Warren County |
| Municipality | Mason City |
| Unified School District | Mason City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,743.00 (-0.77%) | $127,550 (+27.59%) Land $35,000 Building $92,550 | $364,440 (+27.6%) Land $100,000 Building $264,440 |
| 2024 | $4,780.00 (+9.01%) | ||
| 2023 | $4,385.00 (+1.32%) Homeowner's exemption | $99,967 (-) Land $17,220 Building $82,747 | |
| 2022 | $4,328.00 Homeowner's exemption | $99,967 Land $17,220 Building $82,747 | $285,620 (-) Land $49,200 Building $236,420 |
| 2021 | $285,620 Land $49,200 Building $236,420 |
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.
Source: FEMA National Flood Hazard Layer, effective June 25, 2025 · 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 |
| Nearby Flood Policies | 4 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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