315 E Williams St, Cardington, OH 43315 Property Records

Morrow County property record for 315 E Williams St, Cardington, OH 43315

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,728 sqft · built 1960
Lot Size	0.643 acres (28,009 sqft)
Owner	Individual Name on File
Last Sale	$82,500 (Sep 1995)
Tax Bill	$3,483 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Aug 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C09-005-00-001-01`

Property Details

APN / Parcel Number

Primary APN	`C09-005-00-001-01`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,728 sqft Living Area
Gross Area	3,989 sqft
1st Floor Area	3,456 sqft
Basement Area	512 sqft
Unfinished Basement	512 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Wood
Lot Area	28,009 sqft (0.643 acres)
Garage Area	444 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	340 sqft
Deck Area	337 sqft
Patio Area	128 sqft
Shed	1 Shed
Shed Area	510 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	315 E WILLIAMS ST
City	CARDINGTON
State	OH
Zip	43315-1152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OL 96 C RTS:
Jurisdiction	MORROW OH
Township / Civil Division	CARDINGTON
Census Block Group	1
Census Block	1041
Census Tract	965300

Owner

315 E Williams St is owned and occupied by an individual who acquired it in June 2017.

Source: Morrow County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	315 E WILLIAMS ST, CARDINGTON, OH 43315-1152
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2017	Deed of Trust, Mortgage NOIC INC
Aug 28, 2018	Lease, Transfer
Jun 30, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 1995 · Amount on File
Deed Sale	Sep 15, 1995 · Amount on File
Last Transfer Date	Jun 26, 2017
Transfer Doc	000898/221
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	315 E WILLIAMS ST, CARDINGTON, OH 43315-1152
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000898/0000000223
Date	Jun 30, 2017
Book Page	0000000898/0000000223
Instrument	000000376580

Lender

Name	NOIC INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	175 Months
Due	Jan 1, 2032

August 2018: Lease, Transfer

Document Type	Lease
Jurisdiction	MORROW OH
Recording Date	Aug 28, 2018
Property Address	315 E WILLIAMS ST, CARDINGTON, OH 43315-1152
Document Number	000929/109
Book / Page	929 / 109
Instrument Date	Aug 28, 2018
Instrument	000000383208
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 E WILLIAMS ST, CARDINGTON, OH 43315-1152

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OH
Recording Date	Jun 30, 2017
Property Address	315 E WILLIAMS ST, CARDINGTON, OH 43315-1152
Document Number	000898/221
Book / Page	898 / 221
Instrument Date	Jun 26, 2017
Instrument	000000376579
Transaction Type	Transfer
Record Updated	Nov 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 E WILLIAMS ST, CARDINGTON, OH 43315-1152

Tax Assessment & Valuation

The 2025 property tax bill for 315 E Williams St was $3,483 with a homeowner's exemption.

Source: Morrow County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Morrow County
County Subdivision	Cardington Township
Municipality	Cardington Village
Unified School District	Cardington-Lincoln Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$158,600 Land $25,200 Building $133,400
2025	$3,483.00 Homeowner's exemption	$55,510 Land $8,820 Building $46,690
2023	$2,398.00 (+9.65%)	$55,510 (+23.11%) Land $8,820 Building $46,690	$158,600 Land $25,200 Building $133,400
2022	$2,187.00	$45,090 Land $5,220 Building $39,870
2020			$128,800 Land $14,900 Building $113,900

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

Flood

FEMA maps place 315 E Williams St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 11, 2024 · 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 Policies	1 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

Wildfire risk around 315 E Williams St 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 95% of the US · lower than 78% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CARDINGTON VILLAGE PWS serves 2,079 people · EPA ID OH5900112
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Smart Way Communications.

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