Morrow County property record for 318 E Williams St, Cardington, OH 43315
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,776 sqft · built 1901 |
| Lot Size | 2.21 acres (96,529 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $94,500 (Aug 2012) |
| Tax Bill | $4,781 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Feb 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | C09-035-00-219-00 |
| Primary APN | C09-035-00-219-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,776 sqft Living Area |
| Gross Area | 4,942 sqft |
| 1st Floor Area | 2,396 sqft |
| Upper Floors Area | 578 sqft |
| Attic | Attic |
| Attic Area | 168 sqft |
| Basement Area | 1,198 sqft |
| Year Built | Built 1901 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Foundation Type | No Foundation |
| Lot Area | 96,529 sqft (2.21 acres) |
| Garage Area | 2,900 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 300 sqft |
| Lean-To | 1,040 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 318 E WILLIAMS ST |
|---|---|
| City | CARDINGTON |
| State | OH |
| Zip | 43315-1151 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 1/2 SE 1/4 NE 1/4 RTS:170622 |
| Jurisdiction | MORROW OH |
| Township / Civil Division | CARDINGTON |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 965300 |
318 E Williams St is owned and occupied by two individuals who bought it in August 2012.
Source: Morrow County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 318 E WILLIAMS ST, CARDINGTON, OH 43315-1151 |
| 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 |
|---|---|
| Jan 23, 2026 | Deed of Trust, Mortgage TELCO FEDERAL CREDIT UNION |
| Feb 11, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance TELHIO CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2012 · Amount on File |
| Deed Sale | Aug 20, 2012 · Amount on File |
| Prior Sale | Feb 14, 2006 · Amount on File |
| Deed Document Number | 2012349034 |
| Deed Book / Page | 773 / 522 |
| Prior Transfer Date | Jul 11, 2002 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORROW OH |
| Property Address | 318 E WILLIAMS ST, CARDINGTON, OH 43315-1151 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001151/719 |
|---|---|
| Date | Jan 23, 2026 |
| Book Page | 1151/719 |
| Instrument | 426886 |
| Name | TELCO FEDERAL CREDIT UNION |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 241 Months |
| Due | Feb 1, 2046 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MORROW OH |
| Recording Date | Feb 11, 2021 |
| Property Address | 318 E WILLIAMS ST, CARDINGTON, OH 43315-1151 |
| Document Number | 001004/255 |
| Book / Page | 1004 / 255 |
| Instrument Date | Jan 16, 2021 |
| Instrument | 397906 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Title Company | LANDSEL TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1123 PARK VIEW DR, COVINA, CA 91724-3765 |
| Document Number | 001004/259 |
|---|---|
| Date | Feb 11, 2021 |
| Book Page | 1004/259 |
| Instrument | 397907 |
| Name | TELHIO CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
The 2025 property tax bill for 318 E Williams St was $4,781 with a homeowner's exemption.
Source: Morrow County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Morrow County |
| County Subdivision | Cardington Township |
| Municipality | Cardington Village |
| Unified School District | Cardington-Lincoln Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $217,700 Land $41,600 Building $176,100 | ||
| 2025 | $4,781.00 Homeowner's exemption | $76,200 Land $14,560 Building $61,640 | |
| 2023 | $3,280.00 (+18.54%) | $76,200 (+33.15%) Land $14,560 Building $61,640 | $217,700 Land $41,600 Building $176,100 |
| 2022 | $2,767.00 | $57,230 Land $8,860 Building $48,370 | |
| 2020 | $163,500 Land $25,300 Building $138,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 318 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 risk around 318 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 94% of the US · lower than 74% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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