102 S Main St, Union (Englewood), OH 45322 Property Records

Montgomery County property record for 102 S Main St, Union, OH 45322

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3 ba · 8,700 sqft · built 1900
Lot Size	0.255 acres (11,086 sqft)
Owner	Company Name on File
Last Sale	$126,500 (Aug 2005)
Tax Bill	$6,539 (2025)
Deeds & Mortgages	Dec 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`M58-00103-0029`

Property Details

APN / Parcel Number

Primary APN	`M58-00103-0029`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	14 Rooms
Units	6 Units
Stories	2 Stories
Building Area	8,700 sqft Gross Area
1st Floor Area	5,812 sqft
2nd Floor Area	1,352 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Frame
Lot Area	11,086 sqft (0.255 acres)
View / Lot	Highway
Garage Type	Attached
Garage Area	1,536 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	350 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	102 S MAIN ST, A
City	UNION
State	OH
Zip	45322-3362
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	44 PT 1-3-69
Legal Subdivision	UNION
Legal Lot Number	29
Jurisdiction	MONTGOMERY OH
Township / Civil Division	UNION CITY
Census Block Group	2
Census Block	2000
Census Tract	125000

Owner

102 S Main St is owned by a company that bought it in August 2005.

Source: Montgomery County records, as of July 20, 2026

Owner of Record	Company Name on File
Mailing Address	102 S MAIN ST, UNION, OH 45322-3343
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2005 · Amount on File
Deed Sale	Aug 9, 2005 · Amount on File
Deed Document Number	200578277
Prior Transfer Date	Oct 22, 2002
Prior Transfer Doc	0000132389
Record Updated	Oct 29, 2026

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTGOMERY OH
Property Address	102 S MAIN ST, UNION, OH 45322-3343
Document Number	0000038794
Instrument Date	Dec 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	LIEN SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	102 S MAIN ST U #A UNION OH 45322, A, UNION, OH 45322

Mortgage

Document Number	0000038794
Date	May 20, 2021
Instrument	38794

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45202

Agreement

Term	12 Months
Due	May 19, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 102 S Main St was $6,539.

Source: Montgomery County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Montgomery County
Municipality	Union City
Unified School District	Northmont City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,539.00	$62,230 Land $12,220 Building $50,010	$177,800 Land $34,920 Building $142,880
2024	$6,539.00 (+8.42%)
2023	$6,031.00 (+7.7%)	$62,230 (+2%) Land $12,220 Building $50,010	$177,800 Land $34,920 Building $142,880
2022	$5,600.00	$51,860 Land $10,190 Building $41,670
2020			$148,170 Land $29,100 Building $119,070

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.

Flood

FEMA maps place 102 S Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective June 21, 2024 · 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	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2019 · river or lake flooding

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

Wildfire risk around 102 S Main St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% 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	UNION CITY PWS serves 7,000 people · EPA ID OH5702512
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20