Champaign County property record for 1292 E State Rte 296, Urbana, OH 43078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,405 sqft · built 1897 |
| Lot Size | 1.21 acres (53,013 sqft) |
| Owner | Individual Name on File |
| Last Sale | $119,300 (May 1996) |
| Tax Bill | $3,191 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 019586-3 |
| Primary APN | 019586-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,405 sqft Living Area |
| 1st Floor Area | 1,505 sqft |
| Upper Floors Area | 900 sqft |
| Basement Area | 900 sqft |
| Unfinished Basement | 900 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1897 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 53,013 sqft (1.21 acres) |
| Garage Type | Detached |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 367 sqft |
| Shed | 1 Shed |
| Shed Area | 800 sqft |
| Pole Barn | 1,680 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 019586-3 |
|---|---|
| Street Address | 1292 E STATE ROUTE 296 |
| City | URBANA |
| State | OH |
| Zip | 43078-8014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RTS 12-05-15 __ SE |
| Legal Range | 12W |
| Legal Township | 9N |
| Legal Section | 15 |
| Jurisdiction | CHAMPAIGN OH |
| Township / Civil Division | SALEM |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 11501 |
1292 E State Rte 296 is owned and occupied by an individual who bought it in May 1996.
Source: Champaign County records, as of July 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1292 E STATE ROUTE 296, URBANA, OH 43078-8014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES SAVINGS BANK |
| Oct 1, 2019 | Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES SAVINGS BANK |
| Jun 14, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE PEOPLES SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 1996 · Amount on File |
| Deed Sale | May 28, 1996 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Recording Date | Jun 10, 2026 |
| Property Address | 1292 E STATE ROUTE 296, URBANA, OH 43078-8014 |
| Document Number | 0000002354 |
| Book / Page | 606 / 3063 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20262354 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1292 E STATE ROUTE 296, URBANA, OH 43078-8014 |
| Document Number | 0000002354, |
|---|---|
| Date | Jun 10, 2026 |
| Book Page | 606/3063 |
| Instrument | 20262354 |
| Name | PEOPLES SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.64% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Property Address | 1292 E STATE ROUTE 296, URBANA, OH 43078-8014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 567/5202 |
|---|---|
| Date | Oct 1, 2019 |
| Book Page | 567/5202 |
| Instrument | 201900003914 |
| Name | THE PEOPLES SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | URBANA, OH 43078 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Property Address | 1292 E STATE ROUTE 296, URBANA, OH 43078-8014 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2018 |
| Name | Verified Name |
|---|
| Document Number | 559/0230 |
|---|---|
| Date | Jun 14, 2018 |
| Book Page | 559/0230 |
| Instrument | 201800002552 |
| Name | THE PEOPLES SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | URBANA, OH 43078 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jul 1, 2028 |
The 2025 property tax bill for 1292 E State Rte 296 was $3,191 with a homeowner's exemption, down 8.3% from the year before.
Source: Champaign County assessment roll, as of March 26, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Champaign County |
| County Subdivision | Salem Township |
| Unified School District | West Liberty-Salem Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,191.00 (-8.33%) | $101,340 (+9.85%) Land $11,610 Building $89,730 | $289,540 Land $33,170 Building $256,370 |
| 2024 | $3,481.00 (+0.03%) Homeowner's exemption | $92,250 (-) Land $9,370 Building $82,880 | |
| 2023 | $3,480.00 (-0.43%) Homeowner's exemption | $92,250 (-) Land $9,370 Building $82,880 | $263,550 (-) Land $26,760 Building $236,790 |
| 2022 | $3,495.00 Homeowner's exemption | $92,250 Land $9,370 Building $82,880 | $263,550 Land $26,760 Building $236,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1292 E State Rte 296 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 12, 2018 · 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 File median of 13 policies |
| Nearby Flood Policies | 13 in force |
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 risk around 1292 E State Rte 296 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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