204 E Ward St, Urbana, OH 43078 Property Records

Champaign County property record for 204 E Ward St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,678 sqft · built 1900
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Feb 2023)
Tax Bill	$1,927 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Oct 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027390-5`

Property Details

APN / Parcel Number

Primary APN	`027390-5`
Alternative APN	`K48-25-11-03-37-067-00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,678 sqft Living Area
1st Floor Area	1,018 sqft
Upper Floors Area	660 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	334 sqft
Deck Area	153 sqft
Patio Area	153 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	027390-5
Street Address	204 E WARD ST
City	URBANA
State	OH
Zip	43078-1719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 11-05-23 __ 50 ON WARD
Legal Range	11W
Legal Township	25N
Legal Section	3
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	4
Census Block	4018
Census Tract	10500

Owner

Source: Champaign County records, as of July 14, 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 WARD ST, URBANA, OH 43078-1719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2023	Warranty Deed, Transfer · FHA Mortgage CONSUMER REAL ESTATE FINANCE CO
Oct 17, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE PEOPLES SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2023 · Amount on Record
Deed Sale	Feb 27, 2023 · Amount on Record
Prior Sale	Apr 19, 2004 · Amount on Record
Deed Document Number	2023733
Deed Book / Page	589 / 3319
Record Updated	Sep 20, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Feb 27, 2023
Property Address	204 E WARD ST, URBANA, OH 43078-1719
Document Number	00589/3319
Book / Page	589 / 3319
Instrument Date	Feb 17, 2023
Instrument	202300000733
Transaction Type	Transfer
Record Updated	Mar 24, 2023
Title Company	FIRST OHIO TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	204 E WARD ST, URBANA, OH 43078-1719

Mortgage

Document Number	202300000734
Date	Feb 27, 2023
Instrument	202300000734

Lender

Name	CONSUMER REAL ESTATE FINANCE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2048

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	204 E WARD ST, URBANA, OH 43078-1719
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 E WARD ST, URBANA, OH 43078-1719

Mortgage

Document Number	00587/5162
Date	Oct 17, 2022
Book Page	587/5162
Instrument	202200005190

Lender

Name	THE PEOPLES SAVINGS BANK
Type	Bank
Address	URBANA, OH 43078

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Champaign County
County Subdivision	Urbana Township
Municipality	Urbana City
Unified School District	Urbana City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,927.00 (-0.98%)	$57,290 (+30.59%) Land $7,050 Building $50,240	$163,660 (+30.56%) Land $20,130 Building $143,530
2024	$1,946.00 (+6.28%) Homeowner's exemption	$43,870 (-) Land $6,440 Building $37,430
2023	$1,831.00 (-0.54%) Homeowner's exemption	$43,870 (-) Land $6,440 Building $37,430	$125,350 (-) Land $18,400 Building $106,950
2022	$1,841.00 Homeowner's exemption	$43,870 Land $6,440 Building $37,430	$125,350 Land $18,400 Building $106,950

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 September 12, 2018

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

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	URBANA CITY PWS serves 11,428 people · EPA ID OH1101212
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Starlink Satellite	280 / 30

May also be available: CT Communications Network, Verizon.

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