320 Scioto St, Urbana, OH 43078 Property Records

Champaign County property record for 320 Scioto St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,914 sqft · built 1859
Lot Size	0.273 acres (11,925 sqft)
Owner	Individual Name on Record
Last Sale	$224,900 (Feb 2019)
Tax Bill	$4,197 (2025)
Deeds & Mortgages	Oct 2010 Mortgage Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`027329-3`

Property Details

APN / Parcel Number

Primary APN	`027329-3`
Alternative APN	`K48-25-11-03-37-006-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,914 sqft Living Area
1st Floor Area	1,450 sqft
Upper Floors Area	1,464 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1859
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	11,925 sqft (0.273 acres)
Lot Dimensions	159 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	352 sqft
Deck Area	40 sqft
Patio Area	40 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	027329-3
Street Address	320 SCIOTO ST
City	URBANA
State	OH
Zip	43078-2136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 11-05-23 __
Legal Range	11W
Legal Township	25N
Legal Section	3
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	2
Census Block	2020
Census Tract	10500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Scioto Street Historic District listed 1984 · 70 contributing resources · NRIS 84002908

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Champaign County records, as of July 14, 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	320 SCIOTO ST, URBANA, OH 43078-2136
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2010	Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC
Oct 2, 2025	Deed of Trust, Mortgage · Line of Credit BAXTER CU
Feb 4, 2019	Warranty Deed, Transfer · ARM BAXTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2019 · Amount on Record
Deed Sale	Feb 4, 2019 · Amount on Record
Prior Sale	Apr 1, 2004 · Amount on Record
Deed Document Number	2019432
Deed Book / Page	564 / 1776
Record Updated	Sep 20, 2026

October 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	320 SCIOTO ST, URBANA, OH 43078-2136
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	HALLMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00492/1060
Date	Oct 29, 2010
Book Page	492/1060
Instrument	201000004599

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2025

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	320 SCIOTO ST, URBANA, OH 43078-2136
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	MIS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00602/3506
Date	Oct 2, 2025
Book Page	602/3506
Instrument	202500003964

Lender

Name	BAXTER CU
Type	Credit Union
Address	340 N MILWAUKEE AVE, VERNON HILLS, IL 60061

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 30, 2035

Interest

Change Frequency	Monthly

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Feb 4, 2019
Property Address	320 SCIOTO ST, URBANA, OH 43078-2136
Document Number	00564/1776
Book / Page	564 / 1776
Instrument Date	Jan 28, 2019
Instrument	201900000432
Transaction Type	Transfer
Record Updated	Mar 6, 2026

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	320 SCIOTO ST, URBANA, OH 43078-2136

Mortgage

Document Number	201900000433
Date	Feb 4, 2019
Instrument	201900000433

Lender

Name	BAXTER CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Feb 1, 2029
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	9.75%
Index	1-Year CMT
Max Rate	9.75%

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	$4,197.00 (-0.8%)	$106,780 (+21.92%) Land $12,210 Building $94,570	$305,070 (+21.91%) Land $34,880 Building $270,190
2024	$4,231.00 (-0.73%) Homeowner's exemption	$87,580 (-) Land $8,950 Building $78,630
2023	$4,262.00 (-2.07%) Homeowner's exemption	$87,580 (-) Land $8,950 Building $78,630	$250,240 (-) Land $25,570 Building $224,670
2022	$4,352.00	$87,580 Land $8,950 Building $78,630	$250,240 Land $25,570 Building $224,670

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 531 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
AT&T Fixed Wireless	100 / 20

May also be available: CT Communications Network, Verizon.

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