103 N Main St, Willard, OH 44890 Property Records

Huron County property record for 103 N Main St, Willard, OH 44890

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,128 sqft
Lot Size	0.202 acres (8,800 sqft)
Owner	Individual Name on File
Last Sale	$45,500 (Aug 2018)
Tax Bill	$618 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-0330-01-022-0000`

Property Details

APN / Parcel Number

Primary APN	`51-0330-01-022-0000`
Alternative APN	`505333`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,128 sqft Living Area
1st Floor Area	744 sqft
2nd Floor Area	384 sqft
Basement Area	564 sqft
Unfinished Basement	564 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	8,800 sqft (0.202 acres)
Lot Dimensions	160 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	398 sqft
Deck Area	266 sqft
Patio Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	505333
Street Address	103 N MAIN ST
City	WILLARD
State	OH
Zip	44890-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 192 MAIN ST
Legal Subdivision	MP SILCOX SUBDIVISION SECTION 2
Legal Lot Number	192
Jurisdiction	HURON OH
Township / Civil Division	WILLARD
Census Block Group	3
Census Block	3011
Census Tract	916200

Owner

103 N Main St is owned and occupied by an individual who bought it in August 2018.

Source: Huron County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	103 N MAIN ST, WILLARD, OH 44890-1015
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Line of Credit DIRECTIONS CU
Aug 30, 2018	Warranty Deed, Transfer · VA Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2018 · Amount on File
Deed Sale	Aug 30, 2018 · Amount on File
Prior Sale	Jan 1, 1990 · Amount on File
Deed Document Number	20185257
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HURON OH
Property Address	103 N MAIN ST, WILLARD, OH 44890-1015
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 N MAIN ST, WILLARD, OH 44890-1015

Mortgage

Document Number	0000001337
Date	Mar 20, 2026
Instrument	202603200001337

Lender

Name	DIRECTIONS CU
Type	Credit Union
Address	TOLEDO, OH 43604

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 28, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HURON OH
Recording Date	Aug 30, 2018
Property Address	103 N MAIN ST, WILLARD, OH 44890-1015
Document Number	0000005257
Instrument Date	Aug 29, 2018
Instrument	5257
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 780169 PHILADELPHIA PA 191780169, PHILADELPHIA, PA 19178-0169

Mortgage

Document Number	5258
Date	Aug 30, 2018
Instrument	5258

Lender

Name	LENDUS LLC
Address	ALAMO, CA 94507

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 103 N Main St was $618 with exemptions applied, down 10.3% from the year before.

Source: Huron County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Huron County
Municipality	Willard City
Unified School District	Willard City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$618.00 (-10.3%)	$29,740 (-) Land $4,470 Building $25,270	$84,970 (-) Land $12,760 Building $72,210
2024	$689.00 (+13.7%)	$29,740 (+17.32%) Land $4,470 Building $25,270	$84,970 Land $12,760 Building $72,210
2023	$606.00 (-3.96%)	$25,350 (-) Land $3,500 Building $21,850
2022	$631.00	$25,350 Land $3,500 Building $21,850
2021			$72,440 Land $10,010 Building $62,430

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

Flood

FEMA maps place 103 N Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 11, 2017

FEMA Flood Zone	Zone X minimal risk
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 N 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	WILLARD CITY serves 7,099 people · EPA ID OH3901511
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

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