320 E Ward St, Urbana, OH 43078 Property Records

Champaign County property record for 320 E Ward St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,324 sqft · built 1900
Lot Size	0.117 acres (5,097 sqft)
Owner	Individual Name on Record
Last Sale	$166,000 (Nov 2022)
Tax Bill	$1,694 (2025)
Deeds & Mortgages	Nov 2022 Sale & Line of Credit Jul 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`027381-1`

Property Details

APN / Parcel Number

Primary APN	`027381-1`
Alternative APN	`K48-25-11-03-37-058-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,324 sqft Living Area
Gross Area	1,400 sqft
1st Floor Area	1,022 sqft
Basement Area	378 sqft
Unfinished Basement	378 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2005
Architectural Style	Other
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	5,097 sqft (0.117 acres)
Lot Dimensions	155 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	112 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	027381-1
Street Address	320 E WARD ST
City	URBANA
State	OH
Zip	43078-1772
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 11-05-23 __ PT NE 1/4B.T.M.R.S.NEW SURVEY FILED 07/25/2022
Legal Range	11W
Legal Township	25N
Legal Section	3
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	4
Census Block	4011
Census Tract	10500

Owner

Source: Champaign County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	320 E WARD ST, URBANA, OH 43078-1772
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Warranty Deed, Subdivision Related Transfer · Line of Credit WESTERN OHIO MORTGAGE CORP
Jul 25, 2022	Intrafamily Transfer, Transfer OHIO REAL ESTATE TITLE, OHIO REAL ESTATE TITLE INC
Jul 25, 2022	Warranty Deed, Transfer · Commercial Mortgage QUANTA FINANCE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Prior Sale	Aug 14, 2013 · Amount on Record
Deed Document Number	20225734
Deed Book / Page	588 / 2129
Prior Transfer Date	Oct 30, 2012
Prior Transfer Doc	510/1914
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Nov 23, 2022
Property Address	320 E WARD ST, URBANA, OH 43078-1772
Document Number	00588/2129
Book / Page	588 / 2129
Instrument Date	Nov 2, 2022
Instrument	202200005734
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 14, 2022
Title Company	REPUBLIC TITLE COMPANY, REPUBLIC TITLE AGENCY INC

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
Address	405 HARWARD ST, PONTIAC, IL 61764-2311

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	320 E WARD ST, URBANA, OH 43078-1772

Mortgage

Document Number	202200005735
Date	Nov 23, 2022
Instrument	202200005735

Lender

Name	WESTERN OHIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHAMPAIGN OH
Recording Date	Jul 25, 2022
Property Address	320 E WARD ST, URBANA, OH 43078-1772
Document Number	00586/3059
Book / Page	586 / 3059
Instrument Date	Jul 8, 2022
Instrument	202200003752
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	OHIO REAL ESTATE TITLE, OHIO REAL ESTATE TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 HARWARD ST, 405, PONTIAC, IL 61764-2311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 HARWARD ST, PONTIAC, IL 61764-2311

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Jul 25, 2022
Property Address	320 E WARD ST, URBANA, OH 43078-1772
Document Number	00586/3057
Book / Page	586 / 3057
Instrument Date	Jan 20, 2022
Instrument	202200003751
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	OHIO REAL ESTATE TITLE, OHIO REAL ESTATE TITLE INC

Transaction

Amount	Amount Recorded
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	405 HARWARD ST, PONTIAC, IL 61764-2311

Mortgage

Document Number	202200003753
Date	Jul 25, 2022
Instrument	202200003753

Lender

Name	QUANTA FINANCE LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	7 Months
Due	Feb 1, 2023

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Champaign County
County Subdivision	Urbana Township
Municipality	Urbana City
Unified School District	Urbana City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,694.00 (-0.94%)	$50,370 (-6.11%) Land $4,570 Building $45,800	$143,900 (-6.11%) Land $13,050 Building $130,850
2024	$1,710.00 (-25.29%) Homeowner's exemption	$53,650 (-) Land $4,180 Building $49,470
2023	$2,289.00 (+110.77%)	$53,650 (+111.8%) Land $4,180 Building $49,470	$153,260 (-) Land $11,930 Building $141,330
2022	$1,086.00	$25,330 Land $4,180 Building $21,150	$153,260 Land $11,930 Building $141,330

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 September 12, 2018

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	URBANA CITY PWS serves 11,428 people · EPA ID OH1101212
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	6 ppb (2025) 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	7 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 553 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40

May also be available: CT Communications Network, Verizon.

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