204 E Main St, Cardington, OH 43315 Property Records

Morrow County property record for 204 E Main St, Cardington, OH 43315

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,594 sqft · built 1900
Lot Size	0.227 acres (9,888 sqft)
Owner	Individual Name on Record
Tax Bill	$3,017 (2025)
Deeds & Mortgages	Nov 2020 Refinance Oct 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C09-016-00-016-00`

Property Details

APN / Parcel Number

Primary APN	`C09-016-00-016-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,594 sqft Living Area
Gross Area	4,886 sqft
1st Floor Area	3,530 sqft
Upper Floors Area	829 sqft
Basement Area	1,765 sqft
Unfinished Basement	1,765 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Wood
Lot Area	9,888 sqft (0.227 acres)
Lot Dimensions	198 ft deep x 50 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	527 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	204 E MAIN ST
City	CARDINGTON
State	OH
Zip	43315-1199
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 11 RTS:0
Legal Lot Number	11
Jurisdiction	MORROW OH
Township / Civil Division	CARDINGTON
Census Block Group	1
Census Block	1054
Census Tract	965300

Owner

Source: Morrow County records, as of August 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	204 E MAIN ST, CARDINGTON, OH 43315-1199
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FC BANK
Oct 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FC BANK
Dec 10, 2018	Deed of Trust, Mortgage · Balloon Mortgage FC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 1987
Deed Sale	Dec 3, 1987
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	204 E MAIN ST, CARDINGTON, OH 43315-1199
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	994/672
Date	Nov 10, 2020
Book Page	994/672
Instrument	396160

Lender

Name	FC BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Dec 1, 2034

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	204 E MAIN ST, CARDINGTON, OH 43315-1199
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	959/465
Date	Oct 24, 2019
Book Page	959/465
Instrument	389484

Lender

Name	FC BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	204 E MAIN ST, CARDINGTON, OH 43315-1199
Transaction Type	Mortgage
Record Updated	Jan 7, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	937/145
Date	Dec 10, 2018
Book Page	937/145
Instrument	384828

Lender

Name	FC BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Morrow County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Morrow County
County Subdivision	Cardington Township
Municipality	Cardington Village
Unified School District	Cardington-Lincoln Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$137,400 (-) Land $11,800 Building $125,600
2025	$3,017.00 (+44.77%) Homeowner's exemption	$48,090 (-) Land $4,130 Building $43,960
2023	$2,084.00 (-18.37%)	$48,090 (-8.95%) Land $4,130 Building $43,960	$137,400 (-8.95%) Land $11,800 Building $125,600
2022	$2,553.00	$52,820 Land $3,260 Building $49,560
2020			$150,900 Land $9,300 Building $141,600

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 January 11, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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	CARDINGTON VILLAGE PWS serves 2,079 people · EPA ID OH5900112
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	1 ppb (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	4 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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Smart Way Communications.

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