302 E Water St, Prospect, OH 43342 Property Records

Marion County property record for 302 E Water St, Prospect, OH 43342 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,842 sqft · built 1900
Lot Size	0.181 acres (7,901 sqft)
Owner	Individual Name on File
Last Sale	$219,900 (Feb 2022)
Tax Bill	$2,829 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`27-002001.2800`

Property Details

APN / Parcel Number

Primary APN	`27-002001.2800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,842 sqft Living Area
1st Floor Area	1,053 sqft
2nd Floor Area	789 sqft
Upper Floors Area	789 sqft
Basement Area	420 sqft
Flooring	Carpet
Interior Walls	Block

Exterior

Year Built	Built 1900
Construction Type	Frame
Roof Material	Metal
Lot Area	7,901 sqft
Lot Width	51.1 ft Width
Garage Type	Detached
Garage Area	528 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	302 E WATER ST
City	PROSPECT
State	OH
Zip	43342-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAST & DAVIS LOT 198-9 PG 9 101 2.00 128.00
Legal Subdivision	GAST & DAVIS ADD
Legal Lot Number	198
Jurisdiction	MARION OH
Township / Civil Division	PROSPECT
Census Block Group	1
Census Block	1030
Census Tract	10500

Owner

Source: Marion County records · APN 27-002001.2800

Assessment roll updated August 1, 2025 · Last verified March 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 File
Mailing Address	302 E WATER ST, PROSPECT, OH 43342-9722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 08, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Jan 29, 2021	Warranty Deed, Transfer · Commercial Mortgage PREMIER BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 08, 2022 · Amount on Record
Deed Sale	Feb 08, 2022 · Amount on Record
Prior Sale	Jan 29, 2021 · Amount on Record
Deed Document Number	2022-01006
Deed Book / Page	1606 / 762
Record Updated	Jun 08, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION OH
Recording Date	Feb 08, 2022
Property Address	302 E WATER ST, PROSPECT, OH 43342-9722
Document Number	0016060762
Book / Page	1606 / 762
Instrument Date	Dec 22, 2021
Instrument	2022-01006
Transaction Type	Transfer
Record Updated	Feb 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	8241 DOW CIR, STRONGSVILLE, OH 44136-1761

Mortgage

Document Number	0202201007
Date	Feb 08, 2022
Instrument	2022-01007

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 01, 2052

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION OH
Recording Date	Jan 29, 2021
Property Address	302 E WATER ST, PROSPECT, OH 43342-9722
Document Number	0015500588
Book / Page	1550 / 588
Instrument Date	Jan 07, 2021
Instrument	2021-00777
Transaction Type	Transfer
Record Updated	May 09, 2022

Transaction

Amount	Amount Recorded
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	601 CLINTON ST, DEFIANCE, OH 43512-2636

Mortgage

Document Number	0202100778
Date	Jan 29, 2021
Instrument	2021-00778

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Marion County records · Assessment roll updated August 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Marion County
County Subdivision	Prospect Township
Municipality	Prospect Village
Unified School District	Elgin Local School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,829.00 (+51.36%)	$70,590 (+81.79%) Land $9,480 Building $61,110	$201,690 (+81.8%) Land $27,090 Building $174,600
2024	$1,869.00 (+0.92%)	$38,830 (-) Land $9,930 Building $28,900
2023	$1,852.00 (-0.32%)	$38,830 (-) Land $9,930 Building $28,900
2022	$1,858.00	$38,830 Land $9,930 Building $28,900	$110,940 Land $28,370 Building $82,570

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Marion County (39101C), updated October 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391010105001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 44 individual NFIP policies nearby
Nearby Flood Policies	44 in force
Nearby Flood Claims	82 (1978–2025)
Claims Outside the SFHA	7 of 82
Most Recent Claim	Apr 2025, river or lake flooding
Claims By Storm	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 12 claims Severe Storms And Flooding, Aug 1995 · 17 claims Severe Storms & Flooding, Jul 1987 · 7 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 328 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000
Mercury Broadband	Fixed Wireless (licensed-by-rule)	150 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Spectrum, Little Miami Gig. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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