100 E Water St, Sandusky, OH 44870 Property Records

Erie County property record for 100 E Water St, Sandusky, OH 44870

Property Summary

Property Type	Bank, Financial Building
Details	23,763 sqft · built 1986
Lot Size	0.536 acres (23,348 sqft)
Owner	Company Name on Record
Last Sale	$30,000 (Dec 2020)
Tax Bill	$53,917 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Jun 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`56-01319-000`

Property Details

APN / Parcel Number

Primary APN	`56-01319-000`
Alternative APN	`001459-8`

Interior

Stories	3 Stories
Building Area	23,763 sqft Total Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	23,348 sqft (0.536 acres)
Porch	Slab
Porch Area	109 sqft
Canopy	999 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	001459-8
Street Address	100 E WATER ST
City	SANDUSKY
State	OH
Zip	44870-2524
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	31-32 WATER ST WH
Legal Subdivision	BEULAH BEACH ALLOTMENT NO 1
Jurisdiction	ERIE OH
Township / Civil Division	SANDUSKY
Census Block Group	1
Census Block	1018
Census Tract	40802

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Downtown Sandusky Commercial Historic District listed 2017 · 41 contributing resources · NRIS 100001899

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Erie County records, as of March 31, 2026

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

Owner of Record	Company Name on Record
Mailing Address	100 E WATER ST, SANDUSKY, OH 44870-2524
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Jun 2, 2021	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Feb 28, 2022	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Apr 4, 2022	Warranty Deed, Transfer · Conventional Mortgage CIVISTA BANK
Dec 21, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Prior Sale	Jan 1, 1987
Deed Document Number	202012112
Prior Transfer Date	Dec 11, 2020
Prior Transfer Doc	0000012112
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE OH
Property Address	100 E WATER ST, SANDUSKY, OH 44870-2524
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011054
Date	Sep 28, 2021
Instrument	202111054

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE OH
Property Address	100 E WATER ST, SANDUSKY, OH 44870-2524
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006063
Date	Jun 2, 2021
Instrument	202106063

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE OH
Property Address	100 E WATER ST, SANDUSKY, OH 44870-2524
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 E WATER ST, SANDUSKY, OH 44870-2524

Mortgage

Document Number	0000001917
Date	Feb 28, 2022
Instrument	202201917

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE OH
Recording Date	Apr 4, 2022
Property Address	100 E WATER ST, SANDUSKY, OH 44870-2524
Document Number	0000003263
Map Reference	VOL 6 PG 46
Instrument Date	Mar 28, 2022
Instrument	202203263
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 5TH ST, SANDUSKY, OH 44870-4010

Mortgage

Document Number	0000003264
Date	Apr 4, 2022
Instrument	202203264

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE OH
Recording Date	Dec 21, 2020
Property Address	100 E WATER ST, SANDUSKY, OH 44870-2524
Document Number	0000012112
Instrument Date	Dec 11, 2020
Instrument	12112
Transaction Type	Transfer
Record Updated	Feb 9, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	100 E WATER ST SANDUSKY OH 448702524, SANDUSKY, OH 44870-2524

Tax Assessment & Valuation

Source: Erie County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Erie County
Municipality	Sandusky City
Unified School District	Sandusky City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$53,917.00	$935,266 (-) Land $26,278 Building $908,988
2024	$53,917.00 (-14.26%)	$935,266 (+1.23%) Land $26,278 Building $908,988	$2,672,190 (+1.23%) Land $75,080 Building $2,597,110
2023	$62,887.00 (-1.07%)	$923,877 (-) Land $23,464 Building $900,413
2022	$63,566.00	$923,877 Land $23,464 Building $900,413
2021			$2,639,650 Land $67,040 Building $2,572,610

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, 2023 · 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	7 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Jul 2019 · rainfall accumulation

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SANDUSKY CITY serves 25,793 people · EPA ID OH2201411
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber · Cable	10,000 / 10,000
Verizon Fixed Wireless	300 / 20
Amplex Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Omni Fiber, Watch TV.

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