311 W Emerald St, Willard, OH 44890 Property Records

Huron County property record for 311 W Emerald St, Willard, OH 44890

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,440 sqft · built 1888
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (Oct 2025)
Tax Bill	$1,290 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-0260-04-052-0000`

Property Details

APN / Parcel Number

Primary APN	`51-0260-04-052-0000`
Alternative APN	`486879`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	868 sqft
2nd Floor Area	572 sqft
Basement Area	868 sqft
Unfinished Basement	868 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	72 sqft
Deck Area	264 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	486879
Street Address	311 W EMERALD ST
City	WILLARD
State	OH
Zip	44890-1232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 757
Legal Subdivision	CITY/WILLARD
Legal Lot Number	757
Jurisdiction	HURON OH
Township / Civil Division	WILLARD
Census Block Group	2
Census Block	2035
Census Tract	916200

Owner

Source: Huron County records, as of September 28, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	311 W EMERALD ST, WILLARD, OH 44890-1232
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 16, 2025	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Prior Sale	Aug 24, 2016 · Amount on Record
Deed Document Number	20255369
Prior Transfer Date	Aug 13, 2014
Prior Transfer Doc	0000004450
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HURON OH
Recording Date	Jul 21, 2026
Property Address	311 W EMERALD ST, WILLARD, OH 44890-1232
Document Number	0000003989
Instrument Date	Jul 13, 2026
Instrument	20263989
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 W EMERALD ST, WILLARD, OH 44890-1232

Mortgage

Document Number	0000003989,
Date	Jul 21, 2026
Instrument	20263989

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2056

Interest

Rate	6.52%
Max Rate	-1%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HURON OH
Recording Date	Oct 16, 2025
Property Address	311 W EMERALD ST, WILLARD, OH 44890-1232
Document Number	0000005369
Instrument Date	Oct 8, 2025
Instrument	202510160005369
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	311 W EMERALD ST, WILLARD, OH 44890-1232

Mortgage

Document Number	0000005370
Date	Oct 16, 2025
Instrument	202510160005370

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

Source: Huron County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Huron County
Municipality	Willard City
Unified School District	Willard City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,290.00 (-5.56%)	$39,550 (-) Land $4,810 Building $34,740	$113,000 (-) Land $13,750 Building $99,250
2024	$1,366.00 (+11.78%)	$39,550 (+21.39%) Land $4,810 Building $34,740	$113,000 (+21.4%) Land $13,750 Building $99,250
2023	$1,222.00 (-1.37%)	$32,580 (-) Land $3,500 Building $29,080
2022	$1,239.00	$32,580 Land $3,500 Building $29,080
2021			$93,080 Land $10,000 Building $83,080

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

Source: FEMA National Flood Hazard Layer, effective May 11, 2017

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

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	WILLARD CITY serves 7,099 people · EPA ID OH3901511
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2026) 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	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 615 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
T-Mobile Fixed Wireless	100 / 20

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