320 Cowen St, Hamler, OH 43524 Property Records

Henry County property record for 320 Cowen St, Hamler, OH 43524

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,259 sqft · built 1900
Lot Size	0.158 acres (6,861 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Jul 2026)
Tax Bill	$1,738 (2025)
Deeds & Mortgages	Jul 2026 Sale & Construction Loan Nov 2022 Sale & Mortgage + 1 more
APN	`17-009212.1800`

Property Details

APN / Parcel Number

Primary APN	`17-009212.1800`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,259 sqft Living Area
1st Floor Area	1,895 sqft
2nd Floor Area	364 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,861 sqft (0.158 acres)
Lot Dimensions	94 ft deep x 72 ft wide
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	190 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	320 COWEN ST
City	HAMLER
State	OH
Zip	43524-7012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 101 HILL'S 2ND ADD M PT (W 72' FR OF)
Legal Subdivision	HILL'S 2ND ADD
Legal Lot Number	101
Jurisdiction	HENRY OH
Township / Civil Division	MARION
Census Block Group	2
Census Block	2068
Census Tract	600

Owner

Source: Henry County records, as of July 13, 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 Record
Mailing Address	H188 COUNTY ROAD 8, DESHLER, OH 43516-9745
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Warranty Deed, Transfer · Construction Mortgage HAMLER STATE BANK
Nov 9, 2022	Fiduciary Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC
Sep 23, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Prior Sale	Nov 9, 2022 · Amount on Record
Deed Document Number	20262133
Deed Book / Page	342 / 108
Prior Transfer Date	Jun 10, 2021
Prior Transfer Doc	325/2170
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY OH
Recording Date	Jul 1, 2026
Property Address	320 COWEN ST, HAMLER, OH 43524-7012
Document Number	0000002133
Book / Page	342 / 108
Instrument Date	Jun 29, 2026
Instrument	20262133
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,388.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	H188 COUNTY ROAD 8, DESHLER, OH 43516-9745

Mortgage

Document Number	0000002134,
Date	Jul 1, 2026
Instrument	20262134

Lender

Name	HAMLER STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2056

Interest

Rate	6.51%
Max Rate	-1%

November 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HENRY OH
Recording Date	Nov 9, 2022
Property Address	320 COWEN ST, HAMLER, OH 43524-7012
Document Number	00329/5428
Book / Page	329 / 5428
Instrument Date	Nov 7, 2022
Instrument	202200004085
Transaction Type	Transfer
Record Updated	Nov 17, 2022

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
Address	320 COWEN ST, HAMLER, OH 43524-7012

Mortgage

Document Number	202200004086
Date	Nov 9, 2022
Instrument	202200004086

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

September 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HENRY OH
Recording Date	Sep 23, 2021
Property Address	320 COWEN ST, HAMLER, OH 43524-7012
Document Number	325/2170
Book / Page	325 / 2170
Instrument Date	Jun 10, 2021
Instrument	202100004007
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Henry County assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Henry County
County Subdivision	Marion Township
Municipality	Hamler Village
Unified School District	Patrick Henry Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,738.00 (-3.44%)	$42,420 (-) Land $1,940 Building $40,480
2024	$1,800.00 (-1.59%)	$42,420 (-) Land $1,940 Building $40,480
2023	$1,829.00 (+44.02%)	$42,420 (-14.16%) Land $1,940 Building $40,480	$121,210 (-14.16%) Land $5,550 Building $115,660
2022	$1,270.00	$49,420 Land $4,240 Building $45,180
2020			$141,200 Land $12,120 Building $129,080

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1978–2015)
Most Recent Claim	Jun 2015 · river or lake flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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	HAMLER VILLAGE serves 580 people · EPA ID OH3500312
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	Corrosion control Jul 2025
Monitoring and Reporting	2 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: MetaLINK Technologies.

Cell Coverage

5G and 4G LTE (outdoors only)

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