218 E Main St, Cardington, OH 43315 Property Records

Morrow County property record for 218 E Main St, Cardington, OH 43315

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,738 sqft · built 1900
Lot Size	0.227 acres (9,888 sqft)
Owner	Individual Name on Record
Tax Bill	$2,479 (2025)
Deeds & Mortgages	Nov 2021 Refinance Aug 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C09-016-00-021-00`

Property Details

APN / Parcel Number

Primary APN	`C09-016-00-021-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,738 sqft Living Area
Gross Area	3,124 sqft
1st Floor Area	2,324 sqft
Upper Floors Area	576 sqft
Basement Area	1,162 sqft
Unfinished Basement	1,162 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2003
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	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	104 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	218 E MAIN ST
City	CARDINGTON
State	OH
Zip	43315-1118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 5 RTS:0
Legal Lot Number	5
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 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	218 E MAIN ST, CARDINGTON, OH 43315-1118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Also Known As (AKA)

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FC BANK
Aug 21, 2017	Deed of Trust, Mortgage FC BANK
Mar 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FC BANK
Mar 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2000
Deed Sale	Aug 28, 2000
Prior Sale	Jan 13, 1994 · Amount on Record
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	218 E MAIN ST, CARDINGTON, OH 43315-1118
Transaction Type	Mortgage
Record Updated	May 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001035/294
Date	Nov 24, 2021
Book Page	1035/294
Instrument	403791

Lender

Name	FC BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	109 Months
Due	Dec 1, 2030

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	218 E MAIN ST, CARDINGTON, OH 43315-1118
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000902/0000000006
Date	Aug 21, 2017
Book Page	0000000902/0000000006
Instrument	000000377422

Lender

Name	FC BANK

Agreement

Amount	Amount Recorded
Term	113 Months
Due	Jan 1, 2027

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	218 E MAIN ST, CARDINGTON, OH 43315-1118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	970/478
Date	Mar 10, 2020
Book Page	970/478
Instrument	391654

Lender

Name	FC BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Apr 1, 2025

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	218 E MAIN ST, CARDINGTON, OH 43315-1118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	942/508
Date	Mar 8, 2019
Book Page	942/508
Instrument	386046

Lender

Name	FC BANK

Agreement

Type	Stand-Alone Refinance
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			$112,900 (-) Land $15,700 Building $97,200
2025	$2,479.00 (+43.96%) Homeowner's exemption	$39,520 (-) Land $5,500 Building $34,020
2023	$1,722.00 (+30.26%)	$39,520 (+47.19%) Land $5,500 Building $34,020	$112,900 (+47.2%) Land $15,700 Building $97,200
2022	$1,322.00	$26,850 Land $4,380 Building $22,470
2020			$76,700 Land $12,500 Building $64,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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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