103 Opal Ln, Prospect, OH 43342 Property Records

Marion County property record for 103 Opal Ln, Prospect, OH 43342

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,340 sqft · built 1997
Lot Size	0.535 acres (23,305 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Apr 2026)
Tax Bill	$4,336 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-0240100.405`

Property Details

APN / Parcel Number

Primary APN	`27-0240100.405`
Alternative APNs	`270240100400` `070004900`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,340 sqft Living Area
Gross Area	3,896 sqft
1st Floor Area	1,604 sqft
Upper Floors Area	736 sqft
Basement Area	1,556 sqft
Flooring	Carpet
Interior Walls	Block

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Roof Material	Other
Lot Area	23,305 sqft (0.535 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	103 OPAL LN
City	PROSPECT
State	OH
Zip	43342-9621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GERDICK LOT 520 PG 4-1 IRREG
Legal Subdivision	GERDICK
Legal Block	1
Legal Lot Number	520
Jurisdiction	MARION OH
Township / Civil Division	PROSPECT
Census Block Group	1
Census Block	1012
Census Tract	10500

Owner

Source: Marion County records, as of July 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 294, HANCOCK, MI 49930-0294
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Apr 1, 2026	Warranty Deed, Transfer · Conventional Mortgage KEMBA FINANCIAL CREDIT UNION
Apr 1, 2026	Warranty Deed, Transfer · Conventional Mortgage KEMBA FINANCIAL CREDIT UNION
Sep 16, 2024	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on Record
Deed Sale	Apr 1, 2026 · Amount on Record
Prior Sale	Feb 12, 1997 · Amount on Record
Deed Document Number	20261852
Deed Book / Page	1778 / 392
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION OH
Property Address	103 OPAL LN, PROSPECT, OH 43342-9621
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 OPAL LN, PROSPECT, OH 43342-9621

Mortgage

Document Number	0016530547
Date	Mar 31, 2023
Book Page	1653/547
Instrument	2023-01617

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION OH
Recording Date	Apr 1, 2026
Property Address	103 OPAL LN, PROSPECT, OH 43342-9621
Document Number	0000001852
Book / Page	1778 / 392
Instrument Date	Mar 20, 2026
Instrument	20261852
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	WORLD CLASS TITLE INC, WORLD CLASS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

Mortgage

Document Number	0000001853,
Date	Apr 1, 2026
Instrument	20261853

Lender

Name	KEMBA FINANCIAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION OH
Recording Date	Apr 1, 2026
Property Address	103 OPAL LN, PROSPECT, OH 43342-9621
Document Number	0017780392
Book / Page	1778 / 392
Instrument Date	Mar 20, 2026
Instrument	20261852
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	WORLD CLASS TITLE INC, WORLD CLASS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

Mortgage

Document Number	0000001853,
Date	Apr 1, 2026
Instrument	20261853

Lender

Name	KEMBA FINANCIAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

September 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MARION OH
Recording Date	Sep 16, 2024
Property Address	103 OPAL LN, PROSPECT, OH 43342-9621
Document Number	0017110018
Book / Page	1711 / 18
Instrument Date	Sep 4, 2024
Instrument	2024-05142
Transaction Type	Transfer
Record Updated	Jun 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 OPAL LN, PROSPECT, OH 43342-9621

Tax Assessment & Valuation

Source: Marion County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Marion County
County Subdivision	Prospect Township
Municipality	Prospect Village
Unified School District	Elgin Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,336.00 (+4.16%)	$108,200 (+25.07%) Land $12,850 Building $95,350	$309,140 (+25.07%) Land $36,710 Building $272,430
2024	$4,163.00 (+0.92%)	$86,510 (-) Land $10,030 Building $76,480
2023	$4,125.00 (-0.29%)	$86,510 (-) Land $10,030 Building $76,480
2022	$4,137.00	$86,510 Land $10,030 Building $76,480	$247,170 Land $28,660 Building $218,510

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

Source: FEMA National Flood Hazard Layer, effective October 29, 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
Flood Insurance Cost	Premium on Record median of 44 policies
Nearby Flood Policies	44 in force
Nearby Flood Claims	82 (1978–2025)
Claims Outside the SFHA	7 of 82
Most Recent Claim	Apr 2025 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 12 claims Severe Storms And Flooding, Aug 1995 · 17 claims Severe Storms & Flooding, Jul 1987 · 7 claims

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	Low lower than 94% of the US · lower than 71% of Ohio
Wildfire Likelihood	Under 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	AQUA OHIO - MARION private · serves 47,102 people · EPA ID OH5100414
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	4 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Bresco Broadband, Verizon.

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