107 Opal Ln, Prospect, OH 43342 Property Records

Marion County property record for 107 Opal Ln, Prospect, OH 43342

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,348 sqft · built 1995
Lot Size	0.498 acres (21,693 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Sep 2025)
Tax Bill	$4,652 (2025)
Deeds & Mortgages	Sep 2025 Sale Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-0240100.407`

Property Details

APN / Parcel Number

Primary APN	`27-0240100.407`
Alternative APNs	`270240100400` `070004700`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,348 sqft Living Area
Gross Area	3,660 sqft
1st Floor Area	1,308 sqft
Upper Floors Area	1,176 sqft
Basement Area	1,176 sqft
Finished Basement	864 sqft
Unfinished Basement	312 sqft
Family Room	Family Room
Flooring	Wood
Interior Walls	Block

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Roof Material	Other
Lot Area	21,693 sqft (0.498 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	107 OPAL LN
City	PROSPECT
State	OH
Zip	43342-9621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GERDICK LOT 522 PG 4-1 IRREG
Legal Subdivision	GERDICK
Legal Lot Number	522
Jurisdiction	MARION OH
Township / Civil Division	PROSPECT
Census Block Group	1
Census Block	1012
Census Tract	10500

Owner

Source: Marion County records, as of February 9, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	107 OPAL LN, PROSPECT, OH 43342-9621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Survivorship Deed, Transfer
Jan 25, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Sep 2, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Prior Sale	Jan 26, 1995 · Amount on Record
Deed Document Number	20256216
Deed Book / Page	1756 / 427
Prior Transfer Date	Aug 25, 2020
Prior Transfer Doc	0015290572
Record Updated	Jun 8, 2026

September 2025: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MARION OH
Recording Date	Sep 30, 2025
Property Address	107 OPAL LN, PROSPECT, OH 43342-9621
Document Number	0017560427
Book / Page	1756 / 427
Instrument Date	Sep 29, 2025
Instrument	2025-06216
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	107 OPAL LN, PROSPECT, OH 43342-9621

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION OH
Property Address	107 OPAL LN, PROSPECT, OH 43342-9621
Transaction Type	Mortgage
Record Updated	Feb 19, 2021
Title Company	COMMONWEALTH USA STLMTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015490577
Date	Jan 25, 2021
Book Page	1549/577
Instrument	2021-00586

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARION OH
Recording Date	Sep 2, 2020
Property Address	107 OPAL LN, PROSPECT, OH 43342-9621
Document Number	0015290572
Book / Page	001529 / 000572
Instrument Date	Aug 25, 2020
Instrument	5498
Transaction Type	Transfer
Record Updated	Sep 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 OPAL LN PROSPECT OH 433429621, 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	$4,652.00 (+1.64%)	$110,230 (+22.29%) Land $11,970 Building $98,260	$314,940 (+22.29%) Land $34,200 Building $280,740
2024	$4,577.00 (+0.88%)	$90,140 (-) Land $9,350 Building $80,790
2023	$4,537.00 (-0.31%)	$90,140 (-) Land $9,350 Building $80,790
2022	$4,551.00	$90,140 Land $9,350 Building $80,790	$257,540 Land $26,710 Building $230,830

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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