Highland County property record for 992 Gray Rd, Sardinia, OH 45171
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,152 sqft · built 1994 |
| Lot Size | 2.01 acres (87,686 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $67,920 (Oct 1994) |
| Tax Bill | $1,127 (2025) |
| Deeds & Mortgages | Jul 2009 Line of Credit Aug 2016 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-23-000-142.03 |
| Primary APN | 05-23-000-142.03 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 2,604 sqft |
| 1st Floor Area | 1,152 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Lot Area | 87,686 sqft (2.01 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 252 sqft |
| Lean-To | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 992 GRAY RD |
|---|---|
| City | SARDINIA |
| State | OH |
| Zip | 45171-9408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.013 ACRES |
| Jurisdiction | HIGHLAND OH |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3043 |
| Census Tract | 955200 |
992 Gray Rd is owned and occupied by two individuals who bought it in October 1994.
Source: Highland County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 992 GRAY RD, SARDINIA, OH 45171-9408 |
| 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.
| Date | Document |
|---|---|
| Jul 28, 2009 | Deed of Trust, Mortgage · Line of Credit THE NATIONAL BANK & TRUST CO |
| Aug 22, 2016 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 1994 · Amount on File |
| Deed Sale | Oct 13, 1994 · Amount on File |
| Prior Sale | Nov 30, 1993 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLAND OH |
| Property Address | 992 GRAY RD, SARDINIA, OH 45171-9408 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000737/151 |
|---|---|
| Date | Jul 28, 2009 |
| Book Page | 737/151 |
| Instrument | 200900003914 |
| Name | THE NATIONAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | WILMINGTON, OH 45177 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLAND OH |
| Property Address | 992 GRAY RD, SARDINIA, OH 45171-9408 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 000928/395 |
|---|---|
| Date | Aug 22, 2016 |
| Book Page | 0928/395 |
| Instrument | 201600003781 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2036 |
The 2025 property tax bill for 992 Gray Rd was $1,127 with a homeowner's exemption.
Source: Highland County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Highland County |
| County Subdivision | Clay Township |
| Unified School District | Lynchburg-Clay Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,127.00 | $48,690 (-) Land $11,480 Building $37,210 | $139,100 (-) Land $32,800 Building $106,300 |
| 2024 | $1,127.00 Homeowner's exemption | $48,690 (+28.1%) Land $11,480 Building $37,210 | $139,100 Land $32,800 Building $106,300 |
| 2023 | $38,010 (-) Land $10,080 Building $27,930 | ||
| 2022 | $1,598.00 (+2.44%) Homeowner's exemption | $38,010 Land $10,080 Building $27,930 | |
| 2021 | $1,560.00 | $108,600 Land $28,800 Building $79,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 992 Gray Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · 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 risk around 992 Gray Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| altafiber Network Solutions Fixed Wireless | 100 / 20 |
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