1652 Union St, Lancaster, OH 43130 Property Records

Fairfield County property record for 1652 Union St, Lancaster, OH 43130

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,404 sqft · built 1978
Lot Size	0.146 acres (6,360 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Mar 2020)
Tax Bill	$5,640 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-31213-200`

Property Details

APN / Parcel Number

Primary APN	`05-31213-200`
Alternative APN	`0107 02032`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	936 sqft
Basement Area	468 sqft
Finished Basement	468 sqft
Game Room	Game Room

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	6,360 sqft (0.146 acres)
Lot Dimensions	159 ft deep x 40 ft wide
Porch	Open Frame Porch
Porch Area	156 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1652 UNION ST
City	LANCASTER
State	OH
Zip	43130-2873
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLERS SUB LOT 378E
Legal Subdivision	MILLERS SUB
Legal Lot Number	378E
Jurisdiction	FAIRFIELD OH
Township / Civil Division	LANCASTER CITY
Census Block Group	3
Census Block	3013
Census Tract	31600

Owner

Source: Fairfield County records, as of October 15, 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	1652 UNION ST, LANCASTER, OH 43130-2873
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Mar 4, 2020	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2020 · Amount on Record
Deed Sale	Mar 4, 2020 · Amount on Record
Prior Sale	Sep 18, 2012 · Amount on Record
Deed Document Number	20204413
Deed Book / Page	1816 / 4379
Prior Transfer Date	Feb 3, 1993
Prior Transfer Doc	0610000447
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Recording Date	Oct 7, 2026
Property Address	1652 UNION ST, LANCASTER, OH 43130-2873
Document Number	0000017796
Instrument Date	Sep 1, 2026
Instrument	202617796
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1652 UNION ST, LANCASTER, OH 43130-2873

Mortgage

Document Number	0000017796,
Date	Oct 7, 2026
Instrument	202617796

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Sep 1, 2066

Interest

Max Rate	-1%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Mar 4, 2020
Property Address	1652 UNION ST, LANCASTER, OH 43130-2873
Document Number	0000004413
Book / Page	1816 / 4379
Map Reference	MB 5 PG 17
Instrument Date	Feb 20, 2020
Instrument	202000004413
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004414
Date	Mar 4, 2020
Instrument	202000004414

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Mortgage

Document Number	0000004415
Date	Mar 4, 2020
Book Page	1816/4397
Instrument	202000004415

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,640.00 (+343.4%)	$62,740 (+79.26%) Land $11,490 Building $51,250	$179,270 (+79.27%) Land $32,830 Building $146,440
2023	$1,272.00	$35,000 (-) Land $7,660 Building $27,340
2022		$35,000 Land $7,660 Building $27,340	$100,000 Land $21,890 Building $78,110

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

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 Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2012 · other causes

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

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 604 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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