224 E Main St, Cardington, OH 43315 Property Records

Morrow County property record for 224 E Main St, Cardington, OH 43315

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,974 sqft · built 1900
Lot Size	0.227 acres (9,888 sqft)
Owner	Company Name on Record
Last Sale	$99,999 (Oct 2023)
Tax Bill	$3,962 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Oct 2023 Foreclosure + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C09-016-00-023-00`

Property Details

APN / Parcel Number

Primary APN	`C09-016-00-023-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,974 sqft Living Area
Gross Area	4,129 sqft
1st Floor Area	2,584 sqft
Upper Floors Area	682 sqft
Attic	Attic
Attic Area	273 sqft
Basement Area	682 sqft
Unfinished Basement	682 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	9,888 sqft (0.227 acres)
Lot Dimensions	198 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	364 sqft
Deck Area	176 sqft
Canopy	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	224 E MAIN ST
City	CARDINGTON
State	OH
Zip	43315-1118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 3 RTS:0
Legal Lot Number	3
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	Company Name on Record
Mailing Address	224 E MAIN ST, CARDINGTON, OH 43315-1118
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2017	Deed of Trust, Mortgage OHFA
Oct 4, 2023	Foreclosure
Oct 4, 2023	Foreclosure
Dec 6, 2017	Deed of Trust, Mortgage OHFA
Dec 6, 2017	Deed, Transfer · FHA Mortgage UNION HOME MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2023 · Amount on Record
Deed Sale	Oct 4, 2023 · Amount on Record
Prior Sale	Dec 6, 2017 · Amount on Record
Last Transfer Date	May 22, 2024
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	224 E MAIN ST, CARDINGTON, OH 43315-1118
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000909/0000000602
Date	Dec 6, 2017
Book Page	0000000909/0000000602
Instrument	000000379044

Lender

Name	OHFA

Agreement

Amount	Amount Recorded

October 2023: Foreclosure

Document Type	Foreclosure
Jurisdiction	MORROW OH
Recording Date	Oct 4, 2023
Property Address	224 E MAIN ST, CARDINGTON, OH 43315-1118
Document Number	001089/568
Book / Page	1089 / 568
Instrument Date	Sep 20, 2023
Instrument	414520
Transaction Type	Foreclosure
Record Updated	Jun 16, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3701 REGENT BLVD STE 200, 200, IRVING, TX 75063-2296

October 2023: Foreclosure

Document Type	Foreclosure
Jurisdiction	MORROW OH
Recording Date	Oct 4, 2023
Property Address	224 E MAIN ST, CARDINGTON, OH 43315-1118
Document Number	001089/568
Book / Page	1089 / 568
Instrument Date	Sep 20, 2023
Instrument	995210
Transaction Type	Foreclosure
Record Updated	Jun 16, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3701 REGENT BLVD STE 200, 200, IRVING, TX 75063-2296

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	224 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	0000000909/0000000602
Date	Dec 6, 2017
Book Page	0000000909/0000000602
Instrument	000000379044

Lender

Name	OHFA

Agreement

Amount	Amount Recorded

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MORROW OH
Recording Date	Dec 6, 2017
Property Address	224 E MAIN ST, CARDINGTON, OH 43315-1118
Document Number	000909/585
Book / Page	909 / 585
Instrument Date	Dec 5, 2017
Instrument	000000379042
Transaction Type	Transfer
Record Updated	Mar 4, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 E MAIN ST, CARDINGTON, OH 43315-1118

Mortgage

Document Number	0000000909/0000000587
Date	Dec 6, 2017
Book Page	0000000909/0000000587
Instrument	000000379043

Lender

Name	UNION HOME MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2047

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			$180,400 (-) Land $15,700 Building $164,700
2025	$3,962.00 (+45.55%) Homeowner's exemption	$63,150 (-) Land $5,500 Building $57,650
2023	$2,722.00 (+13.18%)	$63,150 (+27.14%) Land $5,500 Building $57,650	$180,400 (+27.13%) Land $15,700 Building $164,700
2022	$2,405.00	$49,670 Land $4,380 Building $45,290
2020			$141,900 Land $12,500 Building $129,400

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 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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