235 N 5th St, Cambridge, OH 43725 Property Records

Guernsey County property record for 235 N 5th St, Cambridge, OH 43725

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,404 sqft · built 1920
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Tax Bill	$2 (2025)
Deeds & Mortgages	Dec 2023 Transfer Feb 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-0006450.000`

Property Details

APN / Parcel Number

Primary APN	`06-0006450.000`
Alternative APN	`002056-5`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,404 sqft Living Area
1st Floor Area	1,224 sqft
Basement Area	1,180 sqft
Unfinished Basement	292 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Roof Material	Metal
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	66 ft deep x 66 ft wide
Porch	Slab
Porch Area	16 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	002056-5
Street Address	235 N 5TH ST
City	CAMBRIDGE
State	OH
Zip	43725-2208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R3 T2 SA04-10 N PT 57 LOFLAND
Legal Range	03W
Legal Township	02N
Legal Section	04
Legal Subdivision	LOFLAND
Legal Tract	2
Legal Lot Number	57PT
Jurisdiction	GUERNSEY OH
Township / Civil Division	CAMBRIDGE
Census Block Group	3
Census Block	3054
Census Tract	977400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	235 N 5TH ST, CAMBRIDGE, OH 43725-2208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Transfer on Death Deed, Transfer
Feb 24, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 25, 2019	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Aug 16, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 19, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	GUERNSEY OH
Recording Date	Dec 22, 2023
Property Address	235 N 5TH ST, CAMBRIDGE, OH 43725-2208
Document Number	000594/689
Book / Page	594 / 689
Instrument Date	Dec 20, 2023
Instrument	202300008147
Transaction Type	Transfer
Record Updated	Jan 9, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	235 N 5TH ST, CAMBRIDGE, OH 43725-2208
Transaction Type	Mortgage
Record Updated	Mar 7, 2022
Title Company	KINGDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 N 5TH ST, CAMBRIDGE, OH 43725-2208

Mortgage

Document Number	00581/1815
Date	Feb 24, 2022
Book Page	581/1815
Instrument	202200001134

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	235 N 5TH ST, CAMBRIDGE, OH 43725-2208
Transaction Type	Mortgage
Record Updated	Jul 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 N 5TH ST, CAMBRIDGE, OH 43725-2208

Mortgage

Document Number	563/3718
Date	Jun 25, 2019
Book Page	563/3718
Instrument	201900003672

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	235 N 5TH ST, CAMBRIDGE, OH 43725-2208
Transaction Type	Mortgage
Record Updated	Sep 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700004699
Date	Aug 16, 2017
Book Page	549/2408
Instrument	201700004699

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	Columbus, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	235 N 5TH ST, CAMBRIDGE, OH 43725-2208
Transaction Type	Mortgage
Record Updated	Feb 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700000375
Date	Jan 19, 2017
Book Page	543/3084
Instrument	201700000375

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$2.00 Homeowner's exemption Senior Citizen's exemption	$9,002 (+17.17%) Land $4,126 Building $4,876
2024	$2.00		$25,720 (+17.18%) Land $11,790 Building $13,930
2023	$2.00 (-66.67%) Homeowner's exemption	$7,683 (-0.09%) Land $3,521 Building $4,162
2022	$6.00 Homeowner's exemption	$7,690 Land $3,520 Building $4,170	$21,950 (-) Land $10,050 Building $11,900
2021			$21,950 Land $10,060 Building $11,890

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	28 (1979–2026)
Claims Outside the SFHA	3 of 28
Most Recent Claim	Aug 2026 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2004 · 8 claims Severe Storms, Flooding, And Tornadoes, Jun 1998 · 9 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

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 671 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
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

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