109 E 2nd St, Cardington, OH 43315 Property Records

Morrow County property record for 109 E 2nd St, Cardington, OH 43315

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 945 sqft · built 1900
Lot Size	0.212 acres (9,235 sqft)
Owner	Individual Name on Record
Last Sale	$44,000 (Feb 1999)
Tax Bill	$2,038 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Apr 2014 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C09-015-00-054-00`

Property Details

APN / Parcel Number

Primary APN	`C09-015-00-054-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	945 sqft Living Area
Gross Area	1,832 sqft
1st Floor Area	1,890 sqft
Basement Area	945 sqft
Unfinished Basement	472 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	9,235 sqft (0.212 acres)
Lot Dimensions	185 ft deep x 50 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	180 sqft
Patio Area	234 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	109 E 2ND ST
City	CARDINGTON
State	OH
Zip	43315-1101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 90
Legal Lot Number	90
Jurisdiction	MORROW OH
Township / Civil Division	CARDINGTON
Census Block Group	3
Census Block	3028
Census Tract	965300

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	109 E 2ND ST, CARDINGTON, OH 43315-1101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2018	Deed of Trust, Mortgage FC BANK
Apr 16, 2014	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FCBANK DIVISION OF CNB BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 1999 · Amount on Record
Deed Sale	Feb 11, 1999 · Amount on Record
Prior Sale	Sep 2, 1993 · Amount on Record
Last Transfer Date	Mar 24, 2014
Transfer Doc	000815/458
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	109 E 2ND ST, CARDINGTON, OH 43315-1101
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000915/0000000224
Date	Feb 28, 2018
Book Page	0000000915/0000000224
Instrument	000000380240

Lender

Name	FC BANK

Agreement

Amount	Amount Recorded

April 2014: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MORROW OH
Recording Date	Apr 16, 2014
Property Address	109 E 2ND ST, CARDINGTON, OH 43315-1101
Document Number	000815/458
Book / Page	815 / 458
Instrument Date	Mar 24, 2014
Instrument	358502
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E 2ND ST, CARDINGTON, OH 43315-1101

Mortgage

Document Number	000815/459
Date	Apr 16, 2014
Book Page	815/459
Instrument	358503

Lender

Name	FCBANK DIVISION OF CNB BANK
Address	MOUNT HOPE, OH 44660

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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			$92,800 (-) Land $12,400 Building $80,400
2025	$2,038.00 (+43.12%) Homeowner's exemption	$32,480 (-) Land $4,340 Building $28,140
2023	$1,424.00 (+20.27%)	$32,480 (+35.67%) Land $4,340 Building $28,140	$92,800 (+35.67%) Land $12,400 Building $80,400
2022	$1,184.00	$23,940 Land $3,430 Building $20,510
2020			$68,400 Land $9,800 Building $58,600

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

Flood

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 253 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

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