232 Clark St, Cambridge, OH 43725 Property Records

Guernsey County property record for 232 Clark St, Cambridge, OH 43725

Property Summary

Property Type	Duplex
Details	1 ba · 3,058 sqft
Lot Size	0.21 acres (9,164 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Dec 2020)
Tax Bill	$1,833 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Apr 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-0001981.000`

Property Details

APN / Parcel Number

Primary APN	`06-0001981.000`
Alternative APN	`002545-1`

Interior

Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	3,058 sqft Living Area
1st Floor Area	1,574 sqft
Basement Area	1,730 sqft
Finished Basement	312 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Duplex Single
Construction Type	Frame
Lot Area	9,164 sqft (0.21 acres)
Lot Dimensions	158 ft deep x 58 ft wide
Terrain	Rolling
Garage Area	342 sqft
Porch	Slab
Porch Area	198 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	002545-1
Street Address	232 CLARK ST
City	CAMBRIDGE
State	OH
Zip	43725-1834
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	R3 T2 SA03-16 S PT 3-4 MATHEWS 1
Legal Range	03W
Legal Township	02N
Legal Section	03
Legal Subdivision	MATHEWS 1
Legal Tract	2
Legal Lot Number	4SPT
Jurisdiction	GUERNSEY OH
Township / Civil Division	CAMBRIDGE
Census Block Group	2
Census Block	2003
Census Tract	977600

Owner

232 Clark St, a duplex, is owned by two individuals who bought it in December 2020.

Source: Guernsey County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	907 MILL RD, CALDWELL, OH 43724-9626
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
Dec 14, 2020	Warranty Deed, Transfer · Commercial Mortgage THE FARMERS AND MERCHANTS BANK
Apr 10, 2019	Intrafamily Transfer, Transfer
Apr 10, 2019	Warranty Deed, Transfer
Apr 17, 2017	Quit Claim Deed, Transfer Quitclaim
Jul 13, 2007	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2020 · Amount on File
Deed Sale	Dec 14, 2020 · Amount on File
Prior Sale	Apr 17, 2017 · Amount on File
Deed Document Number	20206803
Deed Book / Page	572 / 5447
Prior Transfer Date	Mar 19, 2019
Prior Transfer Doc	00562/1470
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	Dec 14, 2020
Property Address	232 CLARK ST, CAMBRIDGE, OH 43725-1834
Document Number	00572/5447
Book / Page	572 / 5447
Instrument Date	Dec 8, 2020
Instrument	202000006803
Transaction Type	Transfer
Record Updated	Mar 6, 2026

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
Relationship	Right of Survivorship
Address	907 MILL RD, CALDWELL, OH 43724-9626

Mortgage

Document Number	202000006804
Date	Dec 14, 2020
Instrument	202000006804

Lender

Name	THE FARMERS AND MERCHANTS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 9, 2035

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GUERNSEY OH
Recording Date	Apr 10, 2019
Property Address	232 CLARK ST, CAMBRIDGE, OH 43725-1834
Document Number	00562/1470
Book / Page	562 / 1470
Instrument Date	Mar 19, 2019
Instrument	201900001967
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 208, BELLAIRE, OH 43906-0208

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	Apr 10, 2019
Property Address	232 CLARK ST, CAMBRIDGE, OH 43725-1834
Document Number	00562/1465
Book / Page	562 / 1465
Instrument Date	Mar 1, 2019
Instrument	201900001966
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 208, BELLAIRE, OH 43906-0208

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GUERNSEY OH
Recording Date	Apr 17, 2017
Property Address	232 CLARK ST, CAMBRIDGE, OH 43725-1834
Document Number	00546/0627
Book / Page	546 / 0627
Instrument Date	Mar 31, 2017
Instrument	201700002094
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount on Record
Tax	$980.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 N 18TH ST, CAMBRIDGE, OH 43725-1725

July 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	Jul 13, 2007
Property Address	232 CLARK ST, CAMBRIDGE, OH 43725-1834
Document Number	00450/0471
Book / Page	450 / 0471
Instrument Date	Jul 2, 2007
Instrument	200700022051
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount on Record
Tax	$1,026.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49469 NEWT, CALDWELL, OH 43724

Tax Assessment & Valuation

The 2025 property tax bill for 232 Clark St was $1,833, down 1.3% from the year before.

Source: Guernsey County assessment roll, as of March 3, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,833.00 (-1.29%)	$36,414 (-) Land $9,933 Building $26,481
2024	$1,857.00 (+11.53%)	$36,414 (+17.14%) Land $9,933 Building $26,481	$104,040 Land $28,380 Building $75,660
2023	$1,665.00 (+5.71%)	$31,086 (-0.01%) Land $8,480 Building $22,606
2022	$1,575.00	$31,090 Land $8,480 Building $22,610	$88,820 (-) Land $24,230 Building $64,590
2021			$88,820 Land $24,230 Building $64,590

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

Flood

FEMA maps place 232 Clark St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective August 16, 2011 · 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 Claims	2 (1980–1998)
Most Recent Claim	Jun 1998 · Severe Storms, Flooding, And Tornadoes

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 232 Clark 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	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	CITY OF CAMBRIDGE serves 10,520 people · EPA ID OH3000111
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2019 Total trihalomethanes resolved · Jan 2017
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 726 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Smart Way Communications.

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