1985 E State Rte 296, Urbana, OH 43078 Property Records

Champaign County property record for 1985 E State Rte 296, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,496 sqft · built 1900
Lot Size	2.33 acres (101,843 sqft)
Owner	Individual Name on File
Last Sale	$149,900 (Jan 2020)
Tax Bill	$1,970 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035430-3`

Property Details

APN / Parcel Number

Primary APN	`035430-3`
Alternative APN	`I30-09-12-08-00-014-01`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,496 sqft Living Area
Gross Area	1,640 sqft
1st Floor Area	920 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	101,843 sqft (2.33 acres)
Garage Type	Detached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	312 sqft
Patio Area	160 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	035430-3
Street Address	1985 E STATE ROUTE 296
City	URBANA
State	OH
Zip	43078-9530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 12-05-08 __ NE COR NWING/EGR ESMT ON 014-00SHARED DRWY ESMT
Legal Range	12W
Legal Township	9N
Legal Section	8
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	SALEM
Census Block Group	3
Census Block	3051
Census Tract	11501

Owner

1985 E State Rte 296 is owned and occupied by an individual who bought it in January 2020.

Source: Champaign County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	1985 E STATE ROUTE 296, URBANA, OH 43078-9530
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

Date	Document
Jun 23, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Jan 10, 2020	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2020 · Amount on File
Deed Sale	Jan 10, 2020 · Amount on File
Deed Document Number	2020167
Deed Book / Page	569 / 2633
Prior Transfer Date	May 14, 2014
Prior Transfer Doc	00523/3140
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	1985 E STATE ROUTE 296, URBANA, OH 43078-9530
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	TEAM TITLE AND CLOSING SERVICES, TEAM TTL & CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00578/5770
Date	Jun 23, 2021
Book Page	578/5770
Instrument	202100003482

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Jan 10, 2020
Property Address	1985 E STATE ROUTE 296, URBANA, OH 43078-9530
Document Number	00569/2633
Book / Page	569 / 2633
Instrument Date	Dec 20, 2019
Instrument	202000000167
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	TEAM TITLE AND CLOSING SERVICES, TEAM TITLE & CLOSING SVC LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 E STATE ROUTE 296, URBANA, OH 43078-9530

Mortgage

Document Number	202000000168
Date	Jan 10, 2020
Instrument	202000000168

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1985 E State Rte 296 was $1,970, down 8.2% from the year before.

Source: Champaign County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Champaign County
County Subdivision	Salem Township
Unified School District	West Liberty-Salem Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,970.00 (-8.16%)	$61,040 (+27.25%) Land $21,860 Building $39,180	$174,390 Land $62,460 Building $111,930
2024	$2,145.00 (+16.01%)	$47,970 (-) Land $12,550 Building $35,420
2023	$1,849.00 (-0.43%)	$47,970 (-) Land $12,550 Building $35,420	$137,080 (-) Land $35,870 Building $101,210
2022	$1,857.00	$47,970 Land $12,550 Building $35,420	$137,080 Land $35,870 Building $101,210

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 1985 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

Wildfire risk around 1985 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 94% of the US · lower than 71% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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