Champaign County property record for 2889 E State Rte 296, Urbana, OH 43078
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,492 sqft · built 1888 |
| Lot Size | 0.803 acres (34,979 sqft) |
| Owner | Individual Name on File |
| Last Sale | $242,900 (Oct 2025) |
| Tax Bill | $1,637 (2025) |
| Deeds & Mortgages | Jun 2025 Line of Credit Sep 2012 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010202-1 |
| Primary APN | 010202-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,492 sqft Living Area |
| Gross Area | 2,016 sqft |
| 1st Floor Area | 1,008 sqft |
| Attic | Attic |
| Attic Area | 484 sqft |
| Family Room | Family Room |
| Year Built | Built 1888 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Construction Type | Brick |
| Lot Area | 34,979 sqft (0.803 acres) |
| Garage Type | Attached |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Patio Area | 312 sqft |
| Shed | 1 Shed |
| Shed Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 010202-1 |
|---|---|
| Street Address | 2889 E STATE ROUTE 296 |
| City | URBANA |
| State | OH |
| Zip | 43078-9718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RTS 12-05-02 __ NW COR NW 1/4 |
| Legal Range | 12W |
| Legal Township | 9N |
| Legal Section | 2 |
| Jurisdiction | CHAMPAIGN OH |
| Township / Civil Division | SALEM |
| Census Block Group | 3 |
| Census Block | 3052 |
| Census Tract | 11501 |
2889 E State Rte 296 is owned and occupied by an individual who bought it in October 2025.
Source: Champaign County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2889 E STATE ROUTE 296, URBANA, OH 43078-9718 |
| 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.
| Date | Document |
|---|---|
| Jun 16, 2025 | Deed of Trust, Mortgage · Line of Credit CIVISTA BANK |
| Sep 14, 2012 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANKING CO |
| Oct 24, 2025 | Warranty Deed, Transfer ROCKET MORTGAGE LLC |
| Nov 3, 2023 | Transfer on Death Deed, Transfer |
| Dec 5, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2025 · Amount on File |
| Deed Sale | Oct 24, 2025 · Amount on File |
| Prior Sale | Sep 19, 2002 · Amount on File |
| Deed Document Number | 20254294 |
| Deed Book / Page | 602 / 5629 |
| Prior Transfer Date | Oct 27, 2023 |
| Prior Transfer Doc | 00592/5006 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Property Address | 2889 E STATE ROUTE 296, URBANA, OH 43078-9718 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Address | 2889 E STATE ROUTE 296, URBANA, OH 43078-9718 |
| Document Number | 00600/4730 |
|---|---|
| Date | Jun 16, 2025 |
| Book Page | 600/4730 |
| Instrument | 202500002149 |
| Name | CIVISTA BANK |
|---|---|
| Type | Bank |
| Address | 100 E WATER ST, SANDUSKY, OH 44870 |
| Type | Line of Credit |
|---|
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Property Address | 2889 E STATE ROUTE 296, URBANA, OH 43078-9718 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00508/2816 |
|---|---|
| Date | Sep 14, 2012 |
| Book Page | 508/2816 |
| Instrument | 201200004266 |
| Name | THE CITIZENS BANKING CO |
|---|---|
| Type | Bank |
| Address | SANDUSKY, OH 44870 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Aug 27, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Recording Date | Oct 24, 2025 |
| Property Address | 2889 E STATE ROUTE 296, URBANA, OH 43078-9718 |
| Document Number | 00602/5629 |
| Book / Page | 602 / 5629 |
| Instrument Date | Oct 17, 2025 |
| Instrument | 202500004294 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | CITY TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2889 E STATE ROUTE 296, URBANA, OH 43078-9718 |
| Document Number | 202500004295 |
|---|---|
| Date | Oct 24, 2025 |
| Instrument | 202500004295 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Recording Date | Nov 3, 2023 |
| Property Address | 2889 E STATE ROUTE 296, URBANA, OH 43078-9718 |
| Document Number | 00592/5006 |
| Book / Page | 592 / 5006 |
| Map Reference | VOL 216 PG 794 |
| Instrument Date | Nov 3, 2023 |
| Instrument | 202300004234 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Recording Date | Dec 5, 2022 |
| Property Address | 2889 E STATE ROUTE 296, URBANA, OH 43078-9718 |
| Document Number | 00588/3103 |
| Book / Page | 588 / 3103 |
| Map Reference | VOL 216 PG 794 |
| Instrument Date | Dec 5, 2022 |
| Instrument | 202200005903 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 2889 E STATE ROUTE 296, URBANA, OH 43078-9718 |
The 2025 property tax bill for 2889 E State Rte 296 was $1,637 with exemptions applied, down 1% from the year before.
Source: Champaign County assessment roll, as of March 26, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Champaign County |
| County Subdivision | Salem Township |
| Unified School District | West Liberty-Salem Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,637.00 (-9.96%) | $63,140 (+59.4%) Land $9,200 Building $53,940 | $180,380 Land $26,280 Building $154,100 |
| 2024 | $1,818.00 (+58.5%) Homeowner's exemption Senior Citizen's exemption | $39,610 (-) Land $8,360 Building $31,250 | |
| 2023 | $1,147.00 (-1.8%) Homeowner's exemption Senior Citizen's exemption | $39,610 (-) Land $8,360 Building $31,250 | $113,180 (-) Land $23,890 Building $89,290 |
| 2022 | $1,168.00 Homeowner's exemption Senior Citizen's exemption | $39,610 Land $8,360 Building $31,250 | $113,180 Land $23,890 Building $89,290 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2889 E State Rte 296 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 12, 2018 · 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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
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 risk around 2889 E State Rte 296 is low, with less than 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 97% of the US · lower than 85% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 9 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 / 35 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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