985 McCarley Rd, Vinton, OH 45686 Property Records

Gallia County property record for 985 McCarley Rd, Vinton, OH 45686

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,140 sqft · built 2019
Lot Size	22.7 acres (990,337 sqft)
Owner	Individual Name on Record
Last Sale	$12,000 (Oct 1997)
Tax Bill	$2,017 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01500106502`

Property Details

APN / Parcel Number

Primary APN	`01500106502`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area
1st Floor Area	1,140 sqft
Family Room	Family Room

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	990,337 sqft (22.7 acres)

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Deck Area	60 sqft
Lean-To	320 sqft
Pole Barn	345 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	985 MCCARLEY RD
City	VINTON
State	OH
Zip	45686-9176
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	W 1/2 NE 1/4 V323 P013
Legal Range	16
Legal Township	07
Legal Section	04
Jurisdiction	GALLIA OH
Township / Civil Division	HUNTINGTON
Census Block Group	1
Census Block	1011
Census Tract	953600

Owner

Source: Gallia County records, as of April 2, 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	985 MCCARLEY RD, VINTON, OH 45686-9176
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC
Jun 13, 2019	Deed of Trust, Mortgage · ARM WESBANCO BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 1997 · Amount on Record
Deed Sale	Oct 1, 1997 · Amount on Record
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLIA OH
Property Address	985 MCCARLEY RD, VINTON, OH 45686-9176
Transaction Type	Mortgage
Record Updated	Jun 20, 2022
Title Company	WESBANCO TITLE AGENCY LLC, WESBANCO TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 MCCARLEY RD, VINTON, OH 45686-9176

Mortgage

Document Number	000685/676
Date	May 2, 2022
Book Page	685/676
Instrument	22-1248

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	JACKSON, OH 45640

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALLIA OH
Property Address	985 MCCARLEY RD, VINTON, OH 45686-9176
Transaction Type	Mortgage
Record Updated	Apr 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	632/890
Date	Jun 13, 2019
Book Page	632/890
Instrument	19-1545

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jul 1, 2034
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9%
Index	1-Year CMT
Margin	3
Max Rate	9%

Tax Assessment & Valuation

Source: Gallia County assessment roll, as of April 2, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Gallia County
County Subdivision	Huntington Township
Unified School District	Gallia County Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,017.00 (-7.56%)	$60,470 (-) Land $14,170 Building $46,300
2024			$172,770 (-) Land $40,490 Building $132,280
2023	$2,182.00	$60,470 Land $14,170 Building $46,300	$172,770 Land $40,490 Building $132,280

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 January 19, 2011 · 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
Nearby Flood Claims	6 (1997–2015)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Jul 2015 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Feb 2000 · 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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