231 E Ward St, Urbana, OH 43078 Property Records

Champaign County property record for 231 E Ward St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,190 sqft · built 1940
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Last Sale	$136,000 (Oct 2020)
Tax Bill	$1,485 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Jul 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`025000-9`

Property Details

APN / Parcel Number

Primary APN	`025000-9`
Alternative APN	`K48-25-00-03-19-154-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,190 sqft Living Area
Gross Area	1,280 sqft
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1960
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	165 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	312 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	025000-9
Street Address	231 E WARD ST
City	URBANA
State	OH
Zip	43078-1718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 00-00-00 __ ORIGINAL PLATW 1/2 LOT 210
Legal Lot Number	210
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	4
Census Block	4017
Census Tract	10500

Owner

231 E Ward St is owned and occupied by an individual who bought it in October 2020.

Source: Champaign County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	231 E WARD ST, URBANA, OH 43078-1718
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
Oct 26, 2020	Warranty Deed, Transfer · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC
Jul 6, 2020	Fiduciary Deed, Transfer · Line of Credit THE PEOPLES SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2020 · Amount on File
Deed Sale	Oct 26, 2020 · Amount on File
Prior Sale	Jul 6, 2020 · Amount on File
Deed Document Number	20204957
Deed Book / Page	574 / 933
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Oct 26, 2020
Property Address	231 E WARD ST, URBANA, OH 43078-1718
Document Number	574/933
Book / Page	574 / 933
Instrument Date	Oct 21, 2020
Instrument	202000004957
Transaction Type	Transfer
Record Updated	May 27, 2021
Title Company	OHIO REAL ESTATE TITLE, OHIO REAL ESTATE TITLE INC

Transaction

Amount	Amount 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
Address	231 E WARD ST, URBANA, OH 43078-1718

Mortgage

Document Number	202000004958
Date	Oct 26, 2020
Instrument	202000004958

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2020: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Jul 6, 2020
Property Address	231 E WARD ST, URBANA, OH 43078-1718
Document Number	572/672
Book / Page	572 / 672
Instrument Date	Jun 25, 2020
Instrument	202000002877
Transaction Type	Transfer
Record Updated	May 27, 2021

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	4452 BALLENTINE PK, NEW CARLISLE, OH 45344

Mortgage

Document Number	202000002878
Date	Jul 6, 2020
Instrument	202000002878

Lender

Name	THE PEOPLES SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Jun 25, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 231 E Ward St was $1,485, down 0.9% from the year before.

Source: Champaign County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Champaign County
County Subdivision	Urbana Township
Municipality	Urbana City
Unified School District	Urbana City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,485.00 (-0.87%)	$43,120 (+33.37%) Land $7,050 Building $36,070	$123,200 Land $20,130 Building $103,070
2024	$1,498.00 (+8.63%)	$32,330 (-) Land $6,440 Building $25,890
2023	$1,379.00 (-0.51%)	$32,330 (-) Land $6,440 Building $25,890	$92,360 (-) Land $18,400 Building $73,960
2022	$1,386.00	$32,330 Land $6,440 Building $25,890	$92,360 Land $18,400 Building $73,960

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 231 E Ward St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 12, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 231 E Ward St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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	URBANA CITY PWS serves 11,428 people · EPA ID OH1101212
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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 553 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40

May also be available: CT Communications Network, Verizon.

Nearby Properties on E Ward St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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