119 W Main St, Lancaster, OH 43130 Property Records

Fairfield County property record for 119 W Main St, Lancaster, OH 43130

Property Summary

Property Type	Bank, Financial Building
Details	10,080 sqft · built 1900
Lot Size	0.088 acres (3,820 sqft)
Owner	Company Name on File
Last Sale	$600,000 (Feb 2020)
Tax Bill	$8,870 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`05-35045-400`

Property Details

APN / Parcel Number

Primary APN	`05-35045-400`
Alternative APN	`0501 00068`

Interior

Stories	5 Stories
Building Area	10,080 sqft Gross Area
1st Floor Area	3,000 sqft
2nd Floor Area	2,360 sqft
Basement Area	2,360 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick Veneer
Construction Type	Wood
Lot Area	3,820 sqft (0.088 acres)
Lot Dimensions	182 ft deep x 21 ft wide
View / Lot	Highway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	117 W MAIN ST, 207
City	LANCASTER
State	OH
Zip	43130-3799
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	ORIGINAL TOWN LOT 82E LANCASTER HISTORIC DISTRICT
Legal Subdivision	ORIGINAL TOWN
Legal Lot Number	82E
Jurisdiction	FAIRFIELD OH
Township / Civil Division	LANCASTER CITY
Census Block Group	4
Census Block	4022
Census Tract	32000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lancaster Historic District listed 1983 · 92 contributing resources · NRIS 83003438

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

119 W Main St is owned by a company that bought it in February 2020.

Source: Fairfield County records, as of September 24, 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	Company Name on File
Mailing Address	117 W MAIN ST, 207, LANCASTER, OH 43130-3799
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Nov 2, 2023	Deed of Trust, Mortgage QUEST TRUST COMPANY FBO
Jul 1, 2021	Deed of Trust, Mortgage BRADLEY M FUNK
Apr 1, 2022	Deed of Trust, Mortgage CORE PROCESS LLC
Feb 3, 2020	Warranty Deed, Transfer · Line of Credit MCNB BK&TR
Feb 3, 2020	Warranty Deed, Transfer HOCKING VALLEY TITLE AGENCY, HOCKING VALLEY TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2020 · Amount on File
Deed Sale	Feb 3, 2020 · Amount on File
Prior Sale	Feb 3, 2020 · Amount on File
Deed Document Number	20202351
Deed Book / Page	1814 / 2548
Prior Transfer Date	Feb 28, 2013
Prior Transfer Doc	0000005024
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Recording Date	May 8, 2026
Property Address	117 W MAIN ST, 207, LANCASTER, OH 43130-3799
Document Number	0000007707
Instrument Date	May 4, 2026
Instrument	20267707
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	117 W MAIN ST, 207, LANCASTER, OH 43130-3799

Mortgage

Document Number	0000007707,
Date	May 8, 2026
Instrument	20267707

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	119 W MAIN ST, LANCASTER, OH 43130
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017186
Date	Nov 2, 2023
Instrument	202300017186

Lender

Name	QUEST TRUST COMPANY FBO
Type	Private Party
Address	17171 PARK ROW STE 100, HOUSTON, TX 77084

Agreement

Amount	Amount on Record
Term	35 Months
Due	Oct 18, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	119 W MAIN ST, LANCASTER, OH 43130
Transaction Type	Mortgage
Record Updated	Feb 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017031
Date	Jul 1, 2021
Instrument	202100017031

Lender

Name	BRADLEY M FUNK
Type	Private Party
Address	369 FALLIS RD, COLUMBUS, OH 43214

Agreement

Amount	Amount on Record
Term	9 Months
Due	Apr 1, 2022

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	119 W MAIN ST, LANCASTER, OH 43130
Transaction Type	Mortgage
Record Updated	Feb 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007120
Date	Apr 1, 2022
Instrument	202200007120

Lender

Name	CORE PROCESS LLC
Type	Non-Lending Institution
Address	LANCASTER, OH 43130

Agreement

Amount	Amount on Record

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Feb 3, 2020
Property Address	119 W MAIN ST, LANCASTER, OH 43130
Document Number	0000002351
Book / Page	001814 / 002548
Instrument Date	Jan 31, 2020
Instrument	2351
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	HOCKING VALLEY TITLE AGENCY, HOCKING VALLEY TITLE AGCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,400.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	117 W MAIN ST #207 LANCASTER OH 431303799, 207, LANCASTER, OH 43130-3799

Mortgage

Document Number	2352
Date	Feb 3, 2020
Book Page	001814/002550
Instrument	2352

Lender

Name	MCNB BK&TR
Type	Bank
Address	PARKERSBURG, WV 26101-4355

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 2, 2040

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	2353,
Date	Feb 3, 2020
Book Page	001814/002569
Instrument	2353

Lender

Name	OLD REPUBLIC EXCHANGE
Address	WALNUT CREEK, CA 94596

Agreement

Amount	Amount on Record
Term	180 Months
Due	Feb 2, 2035

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Feb 3, 2020
Property Address	119 W MAIN ST, LANCASTER, OH 43130
Document Number	0000002350
Book / Page	001814 / 002546
Instrument Date	Jan 31, 2020
Instrument	2350
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	HOCKING VALLEY TITLE AGENCY, HOCKING VALLEY TITLE AGCY

Transaction

Amount	Amount on Record
Tax	$1,880.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	119 W MAIN ST LANCASTER OH 43130, LANCASTER, OH 43130

Tax Assessment & Valuation

The 2025 property tax bill for 119 W Main St was $8,870.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Fairfield County
Municipality	Lancaster City
Unified School District	Lancaster City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,870.00	$98,670 Land $15,550 Building $83,120	$281,900 Land $44,420 Building $237,480
2023	$3,737.00	$68,220 (-) Land $13,370 Building $54,850
2022		$68,220 Land $13,370 Building $54,850	$194,930 Land $38,210 Building $156,720

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 119 W Main St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective December 11, 2025 · 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
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (2005–2011)
Most Recent Claim	Jul 2011

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

Wildfire risk around 119 W Main St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	LANCASTER CITY PWS serves 40,400 people · EPA ID OH2301012
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 380 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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