132 E Howard St, Girard, OH 44420 Property Records

Trumbull County property record for 132 E Howard St, Girard, OH 44420

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,698 sqft · built 1925
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Jul 2001)
Tax Bill	$707 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-104900`

Property Details

APN / Parcel Number

Primary APN	`14-104900`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,698 sqft Living Area
1st Floor Area	2,148 sqft
Upper Floors Area	624 sqft
Basement Area	1,060 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	132 E HOWARD ST
City	GIRARD
State	OH
Zip	44420-2923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 30 50F OSBORNE HOWARD ST GIRARD CITY
Legal Subdivision	OSBORNES 7TH ADDITION
Legal Lot Number	30
Jurisdiction	TRUMBULL OH
Township / Civil Division	LIBERTY
Census Block Group	2
Census Block	2012
Census Tract	932200

Owner

132 E Howard St is owned and occupied by two individuals who acquired it in September 2021.

Source: Trumbull County records, as of August 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	132 E HOWARD ST, GIRARD, OH 44420-2923
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Aug 1, 2023	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Sep 27, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2001 · Amount on File
Deed Sale	Jul 31, 2001 · Amount on File
Prior Sale	Jan 1, 1990
Last Transfer Date	Sep 8, 2021
Transfer Doc	0000022449
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRUMBULL OH
Recording Date	Jul 28, 2026
Property Address	132 E HOWARD ST, GIRARD, OH 44420-2923
Document Number	0000013218
Instrument Date	Jul 8, 2026
Instrument	202613218
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 E HOWARD ST, GIRARD, OH 44420-2923

Mortgage

Document Number	0000013218,
Date	Jul 28, 2026
Instrument	202613218

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jul 1, 2053

Interest

Rate	6.52%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRUMBULL OH
Property Address	132 E HOWARD ST, GIRARD, OH 44420-2923
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012080
Date	Aug 1, 2023
Instrument	202308010012080

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2053

September 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	TRUMBULL OH
Recording Date	Sep 27, 2021
Property Address	132 E HOWARD ST, GIRARD, OH 44420-2923
Document Number	0000022449
Map Reference	VOL 6 PG 62
Instrument Date	Sep 8, 2021
Instrument	202109270022449
Transaction Type	Transfer
Record Updated	Nov 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	132 E HOWARD ST, GIRARD, OH 44420-2923

Tax Assessment & Valuation

The 2025 property tax bill for 132 E Howard St was $707 with a homeowner's exemption.

Source: Trumbull County assessment roll, as of April 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Trumbull County
County Subdivision	Liberty Township
Municipality	Girard City
Unified School District	Girard City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$707.00	$27,480 (+13.46%) Land $3,150 Building $24,330
2024	$707.00 (-19.2%) Homeowner's exemption	$24,220 (+18.49%) Land $3,150 Building $21,070
2023	$875.00 (-16.59%)	$20,440 (+9.95%) Land $3,150 Building $17,290	$78,500 Land $9,000 Building $69,500
2022	$1,049.00	$18,590 Land $3,150 Building $15,440
2020			$53,100 Land $9,000 Building $44,100

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 132 E Howard St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 26, 2021

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

The area around 132 E Howard St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	GIRARD CITY serves 13,263 people · EPA ID OH7801103
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 719 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
T-Mobile Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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