224 Oak St, Lancaster, OH 43130 Property Records

Fairfield County property record for 224 Oak St, Lancaster, OH 43130

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,164 sqft · built 1951
Lot Size	0.121 acres (5,249 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Oct 2023)
Tax Bill	$4,719 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2026 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`05-36219-000`

Property Details

APN / Parcel Number

Primary APN	`05-36219-000`
Alternative APN	`0605 00101`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,164 sqft Living Area
Gross Area	1,724 sqft
1st Floor Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	5,249 sqft (0.121 acres)
Lot Dimensions	105 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Deck Area	112 sqft
Patio Area	632 sqft
Canopy	16 sqft
Poultry House	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	224 OAK ST
City	LANCASTER
State	OH
Zip	43130-4215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROSE DALE ADD LOT 40
Legal Subdivision	ROSE DALE ADD
Legal Lot Number	40
Jurisdiction	FAIRFIELD OH
Township / Civil Division	LANCASTER CITY
Census Block Group	1
Census Block	1011
Census Tract	32300

Owner

224 Oak St is owned and occupied by two individuals who bought it in October 2023.

Source: Fairfield County records, as of June 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	224 OAK ST, LANCASTER, OH 43130-4215
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 9, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 23, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 10, 2023	Survivorship Deed, Transfer VALMER LAND TITLE AGENCY
Feb 15, 2023	Affidavit of Death of Joint Tenant, Transfer · Line of Credit FAIRFIELD FSLA
May 2, 2022	Deed of Trust, Mortgage · Line of Credit FAIRFIELD FSLA
Sep 10, 2021	Survivorship Deed, Transfer · Commercial Mortgage FAIRFIELD FSLA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2023 · Amount on File
Deed Sale	Oct 10, 2023 · Amount on File
Prior Sale	Sep 10, 2021 · Amount on File
Deed Document Number	202315795
Prior Transfer Date	Feb 8, 2023
Prior Transfer Doc	0000002291
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Recording Date	May 28, 2026
Property Address	224 OAK ST, LANCASTER, OH 43130-4215
Document Number	0000008979
Instrument Date	May 20, 2026
Instrument	20268979
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 OAK ST, LANCASTER, OH 43130-4215

Mortgage

Document Number	0000008979,
Date	May 28, 2026
Instrument	20268979

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	224 OAK ST, LANCASTER, OH 43130-4215
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 OAK ST, LANCASTER, OH 43130-4215

Mortgage

Document Number	0000002106
Date	Feb 9, 2026
Instrument	202600002106

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	650 S TRYON ST # 88, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jan 29, 2036

Interest

Change Frequency	Monthly

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	224 OAK ST, LANCASTER, OH 43130-4215
Transaction Type	Mortgage
Record Updated	Mar 6, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 OAK ST, LANCASTER, OH 43130-4215

Mortgage

Document Number	0000002646
Date	Feb 23, 2024
Instrument	202400002646

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 14, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Oct 10, 2023
Property Address	224 OAK ST, LANCASTER, OH 43130-4215
Document Number	0000015795
Map Reference	MB 6 PG 12
Instrument Date	Oct 4, 2023
Instrument	202300015795
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	VALMER LAND TITLE AGENCY

Transaction

Amount	Amount 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
Relationship	Joint Tenants with Right of Survivorship
Address	224 OAK ST, LANCASTER, OH 43130-4215

February 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	FAIRFIELD OH
Recording Date	Feb 15, 2023
Property Address	224 OAK ST, LANCASTER, OH 43130-4215
Document Number	0000002291
Map Reference	MB 6 PG 12
Instrument Date	Jan 27, 2023
Instrument	202300002291
Transaction Type	Transfer
Record Updated	Feb 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	224 OAK ST, LANCASTER, OH 43130-4215

Mortgage

Document Number	0000002292
Date	Feb 15, 2023
Instrument	202300002292

Lender

Name	FAIRFIELD FSLA
Type	Bank
Address	LANCASTER, OH 43130

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Feb 29, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	224 OAK ST, LANCASTER, OH 43130-4215
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009240
Date	May 2, 2022
Instrument	202200009240

Lender

Name	FAIRFIELD FSLA
Type	Bank
Address	LANCASTER, OH 43130

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 30, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Sep 10, 2021
Property Address	224 OAK ST, LANCASTER, OH 43130-4215
Document Number	0000023871
Map Reference	MB 6 PG 12
Instrument Date	Aug 26, 2021
Instrument	202100023871
Transaction Type	Transfer
Record Updated	Sep 23, 2021
Title Company	FIRST OHIO TITLE INSURANCE

Transaction

Amount	Amount on Record
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
Relationship	Right of Survivorship
Address	PO BOX 728, LANCASTER, OH 43130-0728

Mortgage

Document Number	0000023872
Date	Sep 10, 2021
Instrument	202100023872

Lender

Name	FAIRFIELD FSLA
Type	Bank
Address	LANCASTER, OH 43130

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 224 Oak St was $4,719.

Source: Fairfield County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Fairfield County
Municipality	Lancaster City
Unified School District	Lancaster City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,719.00	$52,500 Land $12,340 Building $40,160	$150,000 Land $35,250 Building $114,750
2023	$1,172.00 Homeowner's exemption	$41,400 (-) Land $6,250 Building $35,150
2022	Homeowner's exemption	$41,400 Land $6,250 Building $35,150	$118,280 Land $17,860 Building $100,420

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

FEMA maps place 224 Oak St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective December 11, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	12 (1981–2020)
Most Recent Claim	Mar 2020 · other causes
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 2 claims

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

Wildfire risk around 224 Oak St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	LANCASTER CITY PWS serves 40,400 people · EPA ID OH2301012
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Glo Fiber, Verizon.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures