103 E Main St, Cardington, OH 43315 Property Records

Morrow County property record for 103 E Main St, Cardington, OH 43315

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	7,844 sqft · built 1983
Lot Size	0.092 acres (4,008 sqft)
Owner	Company Name on File
Last Sale	$96,000 (Feb 2011)
Tax Bill	$6,887 (2025)
Deeds & Mortgages	Nov 2021 Refinance Nov 2013 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C09-015-A0-004-00`

Property Details

APN / Parcel Number

Primary APN	`C09-015-A0-004-00`

Interior

Stories	1 Story
Building Area	7,844 sqft Gross Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2022
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	4,008 sqft (0.092 acres)
Lot Dimensions	76 ft deep x 53 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	103 E MAIN ST
City	CARDINGTON
State	OH
Zip	43315-1115
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	IN LOT 66 J IN LOT 67 H RTS:0
Legal Lot Number	66
Jurisdiction	MORROW OH
Township / Civil Division	CARDINGTON
Census Block Group	3
Census Block	3006
Census Tract	965300

Owner

103 E Main St, a commercial property, is owned by a company that bought it in February 2011.

Source: Morrow County records, as of August 11, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 152, CARDINGTON, OH 43315-0152
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

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FC BANK
Nov 14, 2013	Deed of Trust, Mortgage · Commercial Mortgage MED STONE LLC
Feb 7, 2011	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2011 · Amount on File
Deed Sale	Feb 7, 2011 · Amount on File
Prior Sale	Jun 26, 2006
Deed Document Number	2011340778
Deed Book / Page	736 / 514
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	103 E MAIN ST, CARDINGTON, OH 43315-1115
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001033/900
Date	Nov 12, 2021
Book Page	1033/900
Instrument	403499

Lender

Name	FC BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	109 Months
Due	Dec 1, 2030

November 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	103 E MAIN ST, CARDINGTON, OH 43315-1115
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4396 BRIGHT RD, DUBLIN, OH 43016-9499
Investor	Possibly a Property Investor

Mortgage

Document Number	000807/344
Date	Nov 14, 2013
Book Page	807/344
Instrument	356589

Lender

Name	MED STONE LLC
Address	CARDINGTON, OH 43315

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2011: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MORROW OH
Recording Date	Feb 7, 2011
Property Address	103 E MAIN ST, CARDINGTON, OH 43315-1115
Document Number	000736/514
Book / Page	736 / 514
Instrument Date	Feb 3, 2011
Instrument	340778
Transaction Type	Foreclosure
Record Updated	May 26, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E MAIN ST, CARDINGTON, OH 43315-1115

Tax Assessment & Valuation

The 2025 property tax bill for 103 E Main St was $6,887.

Source: Morrow County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Morrow County
County Subdivision	Cardington Township
Municipality	Cardington Village
Unified School District	Cardington-Lincoln Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$313,600 Land $13,800 Building $299,800
2025	$6,887.00	$109,760 Land $4,830 Building $104,930
2023	$6,104.00 (+77.86%)	$109,760 (+107.25%) Land $4,830 Building $104,930	$313,600 Land $13,800 Building $299,800
2022	$3,432.00	$52,960 Land $5,850 Building $47,110
2020			$151,300 Land $16,700 Building $134,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 103 E Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 11, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 103 E Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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	CARDINGTON VILLAGE PWS serves 2,079 people · EPA ID OH5900112
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Smart Way Communications.

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