227 Oak St, Lancaster, OH 43130 Property Records

Fairfield County property record for 227 Oak St, Lancaster, OH 43130

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 762 sqft · built 1950
Lot Size	0.16 acres (6,974 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Sep 2025)
Tax Bill	$3,172 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`05-36200-900`

Property Details

APN / Parcel Number

Primary APN	`05-36200-900`
Alternative APN	`0605 00051`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	762 sqft Living Area
Gross Area	906 sqft
1st Floor Area	672 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	6,974 sqft (0.16 acres)
Lot Dimensions	155 ft deep x 45 ft wide

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	144 sqft
Patio Area	72 sqft
Canopy	72 sqft
Poultry House	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	227 OAK ST
City	LANCASTER
State	OH
Zip	43130-4216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEWIS C MITHOFFS 3RD ADD LOTS 16N 17S
Legal Subdivision	LEWIS C MITHOFFS 3RD ADD
Legal Lot Number	16N
Jurisdiction	FAIRFIELD OH
Township / Civil Division	LANCASTER CITY
Census Block Group	1
Census Block	1012
Census Tract	32300

Owner

227 Oak St is owned and occupied by two individuals who bought it in September 2025.

Source: Fairfield County records, as of February 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	227 OAK ST, LANCASTER, OH 43130-4216
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage ALLIANT CU
Sep 30, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on File
Deed Sale	Sep 30, 2025 · Amount on File
Prior Sale	Aug 13, 2015 · Amount on File
Deed Document Number	202516480
Prior Transfer Date	Oct 7, 2020
Prior Transfer Doc	0000024138
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	227 OAK ST, LANCASTER, OH 43130-4216
Transaction Type	Mortgage
Record Updated	Feb 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 OAK ST, LANCASTER, OH 43130-4216

Mortgage

Document Number	0000001428
Date	Jan 28, 2026
Instrument	202600001428

Lender

Name	ALLIANT CU
Type	Credit Union
Address	11545 W TOUHY AVE, CHICAGO, IL 60666

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2031
Change Frequency	6 Months
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	Other
Max Rate	11.1%

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Sep 30, 2025
Property Address	227 OAK ST, LANCASTER, OH 43130-4216
Document Number	0000016480
Map Reference	MB 6 PG 1A
Instrument Date	Sep 11, 2025
Instrument	202500016480
Transaction Type	Transfer
Record Updated	Oct 15, 2025

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
Address	227 OAK ST, LANCASTER, OH 43130-4216

Tax Assessment & Valuation

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		$49,200 (+39.42%) Land $13,350 Building $35,850	$140,580 Land $38,140 Building $102,440
2024	$3,172.00 (+141.95%)	$35,290 (-) Land $6,760 Building $28,530
2023	$1,311.00	$35,290 (-) Land $6,760 Building $28,530
2022		$35,290 Land $6,760 Building $28,530	$100,840 Land $19,320 Building $81,520

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 227 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 227 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.

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