208 E Gregory St, Cardington, OH 43315 Property Records

Morrow County property record for 208 E Gregory St, Cardington, OH 43315

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,012 sqft · built 1987
Lot Size	0.234 acres (10,193 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Apr 2024)
Tax Bill	$2,749 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2024 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C09-016-00-001-00`

Property Details

APN / Parcel Number

Primary APN	`C09-016-00-001-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,012 sqft Living Area
Gross Area	2,232 sqft
1st Floor Area	2,024 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	Raised
Lot Area	10,193 sqft (0.234 acres)
Lot Dimensions	85 ft deep x 120 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	64 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	208 E GREGORY ST
City	CARDINGTON
State	OH
Zip	43315-1114
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	IN LOT 9 WPT MH SURR AS REAL 1997 DUP
Legal Lot Number	9
Jurisdiction	MORROW OH
Township / Civil Division	CARDINGTON
Census Block Group	1
Census Block	1053
Census Tract	965300

Owner

Source: Morrow County records, as of August 11, 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	208 E GREGORY ST, CARDINGTON, OH 43315-1114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) RUOFF MORTGAGE CO
Apr 24, 2024	Warranty Deed, Transfer · Stand-Alone Refinance RUOFF MORTGAGE CO
Aug 20, 2021	Warranty Deed, Transfer · FHA Mortgage T2 FINANCIAL LLC
Aug 7, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage UNION HOME MORTGAGE
Apr 21, 2020	Warranty Deed, Transfer
Nov 15, 2010	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2024 · Amount on Record
Deed Sale	Apr 24, 2024 · Amount on Record
Prior Sale	Aug 7, 2020 · Amount on Record
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	208 E GREGORY ST, CARDINGTON, OH 43315-1114
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001102/439
Date	Apr 24, 2024
Book Page	1102/439
Instrument	417259

Lender

Name	RUOFF MORTGAGE CO

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OH
Recording Date	Apr 24, 2024
Property Address	208 E GREGORY ST, CARDINGTON, OH 43315-1114
Document Number	001102/409
Book / Page	1102 / 409
Instrument Date	Apr 4, 2024
Instrument	417257
Transaction Type	Transfer
Record Updated	May 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1670 MAGNAVOX WAY, FORT WAYNE, IN 46804-1536

Mortgage

Document Number	0000417258
Date	Apr 24, 2024
Instrument	417258

Lender

Name	RUOFF MORTGAGE CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OH
Recording Date	Aug 20, 2021
Property Address	208 E GREGORY ST, CARDINGTON, OH 43315-1114
Document Number	001024/308
Book / Page	1024 / 308
Instrument Date	Aug 18, 2021
Instrument	401775
Transaction Type	Transfer
Record Updated	May 26, 2026

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

Mortgage

Document Number	0000401776
Date	Aug 20, 2021
Instrument	401776

Lender

Name	T2 FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OH
Recording Date	Aug 7, 2020
Property Address	208 E GREGORY ST, CARDINGTON, OH 43315-1114
Document Number	000984/650
Book / Page	984 / 650
Instrument Date	Aug 6, 2020
Instrument	394207
Transaction Type	Transfer
Record Updated	May 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	GREGORY ST, CARDINGTON, OH 43315

Mortgage

Document Number	0000394208
Date	Aug 7, 2020
Instrument	394208

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OH
Recording Date	Apr 21, 2020
Property Address	208 E GREGORY ST, CARDINGTON, OH 43315-1114
Document Number	000973/954
Book / Page	973 / 954
Instrument Date	Apr 7, 2020
Instrument	392225
Transaction Type	Transfer
Record Updated	May 26, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5831 COUNTY ROAD 23, CARDINGTON, OH 43315-9336

November 2010: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	MORROW OH
Recording Date	Nov 15, 2010
Property Address	208 E GREGORY ST, CARDINGTON, OH 43315-1114
Document Number	000730/547
Book / Page	730 / 547
Instrument Date	Oct 26, 2010
Instrument	339478
Transaction Type	Transfer
Record Updated	May 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	591 CARLE AVE, LEWIS CENTER, OH 43035-8295

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			$125,200 (-) Land $26,200 Building $99,000
2025	$2,749.00 (+44.38%) Homeowner's exemption	$43,820 (-) Land $9,170 Building $34,650
2023	$1,904.00 (+27.96%)	$43,820 (+44.38%) Land $9,170 Building $34,650	$125,200 (+44.41%) Land $26,200 Building $99,000
2022	$1,488.00	$30,350 Land $5,810 Building $24,540
2020			$86,700 Land $16,600 Building $70,100

Assessed value is set for property tax purposes, not a market price estimate; it is 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 100 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	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 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	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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