120 W Harding Rd, Springfield, OH 45504 Property Records

Clark County property record for 120 W Harding Rd, Springfield, OH 45504

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,508 sqft · built 1927
Lot Size	0.182 acres (7,919 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Nov 2020)
Tax Bill	$8,799 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`340-07-00036-300-020`

Property Details

APN / Parcel Number

Primary APN	`340-07-00036-300-020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,508 sqft Living Area
1st Floor Area	1,530 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Frame
Construction Type	Frame
Lot Area	7,919 sqft (0.182 acres)
Lot Dimensions	144 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	418 sqft

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	304 sqft
Patio Area	304 sqft
Lean-To	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	120 W HARDING RD
City	SPRINGFIELD
State	OH
Zip	45504-1344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGEWOOD ALL 11384
Legal Subdivision	RIDGEWOOD
Legal Block	300
Legal Lot Number	20
Jurisdiction	CLARK OH
Township / Civil Division	SPRINGFIELD
Census Block Group	5
Census Block	5011
Census Tract	3700

Owner

120 W Harding Rd is owned and occupied by two individuals who bought it in November 2020.

Source: Clark County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 W HARDING RD, SPRINGFIELD, OH 45504-1344
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2020 · Amount on File
Deed Sale	Nov 6, 2020 · Amount on File
Deed Document Number	202016448
Deed Book / Page	2180 / 4655
Prior Transfer Date	Nov 18, 2004
Prior Transfer Doc	0000029245
Record Updated	Oct 29, 2026

November 2020: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	CLARK OH
Recording Date	Nov 6, 2020
Property Address	120 W HARDING RD, SPRINGFIELD, OH 45504-1344
Document Number	0000016448
Book / Page	2180 / 4655
Map Reference	VOL 8 PG 14
Instrument Date	Oct 30, 2020
Instrument	202000016448
Transaction Type	Transfer
Record Updated	Jan 28, 2022
Title Company	TEAM TTL & CLOSING SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship

Mortgage

Document Number	0000016449
Date	Nov 6, 2020
Instrument	202000016449

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 120 W Harding Rd was $8,799, up 137.9% from the year before.

Source: Clark County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Clark County
Municipality	Springfield City
Unified School District	Springfield City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,799.00 (+137.88%)	$100,180 Land $13,890 Building $86,290	$286,210 Land $39,680 Building $246,530
2024	$3,699.00
2023		$73,000 Land $13,000 Building $60,000
2022	$3,693.00		$208,570 Land $37,130 Building $171,440

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

FEMA maps place 120 W Harding Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 17, 2010

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

Wildfire risk around 120 W Harding Rd is low, with less than 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 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	SPRINGFIELD CITY PWS serves 60,680 people · EPA ID OH1204412
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 458 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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