321 Harding St, Defiance, OH 43512 Property Records

Defiance County property record for 321 Harding St, Defiance, OH 43512

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 936 sqft · built 1972
Lot Size	0.228 acres (9,919 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Jan 2026)
Tax Bill	$1,161 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Apr 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`I023115A00300`

Property Details

APN / Parcel Number

Primary APN	`I023115A00300`
Alternative APN	`B013115A00300`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
Gross Area	1,836 sqft
1st Floor Area	900 sqft
Basement Area	432 sqft
Finished Basement	432 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,919 sqft (0.228 acres)
Lot Dimensions	124 ft deep x 80 ft wide
Shed	1 Shed
Shed Area	36 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	321 HARDING ST
City	DEFIANCE
State	OH
Zip	43512-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIVERSITY HEIGHTS LOT 3 CHANGED 04/09/15 FROM B01-3115-A-3
Legal Subdivision	UNIVERSITY HEIGHTS
Legal Lot Number	3
Jurisdiction	DEFIANCE OH
Township / Civil Division	NOBLE
Census Block Group	4
Census Block	4001
Census Tract	958500

Owner

321 Harding St is owned and occupied by an individual who bought it in January 2026.

Source: Defiance County records, as of October 2, 2026

Owner of Record	Individual Name on File
Mailing Address	321 HARDING ST, DEFIANCE, OH 43512-1315
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
Jan 28, 2026	Warranty Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Apr 23, 2024	Deed of Trust, Mortgage · Line of Credit MIDWEST COMMUNITY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2026 · Amount on File
Deed Sale	Jan 28, 2026 · Amount on File
Prior Sale	Nov 21, 2016 · Amount on File
Deed Document Number	2026270
Deed Book / Page	478 / 2402
Prior Transfer Date	Feb 16, 2010
Prior Transfer Doc	341/0949
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DEFIANCE OH
Recording Date	Jan 28, 2026
Property Address	321 HARDING ST, DEFIANCE, OH 43512-1315
Document Number	00478/2402
Book / Page	478 / 2402
Instrument Date	Jan 27, 2026
Instrument	202600000270
Transaction Type	Transfer
Record Updated	Feb 27, 2026

Transaction

Amount	Amount on Record
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	321 HARDING ST, DEFIANCE, OH 43512-1315

Mortgage

Document Number	00478/2404
Date	Jan 28, 2026
Book Page	478/2404
Instrument	202600000271

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	321 HARDING ST, DEFIANCE, OH 43512-1315
Transaction Type	Mortgage
Record Updated	May 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 HARING ST, DEFIANCE, OH 43512-1315

Mortgage

Document Number	00463/2101
Date	Apr 23, 2024
Book Page	463/2101
Instrument	202400001294

Lender

Name	MIDWEST COMMUNITY FCU
Type	Credit Union
Address	COLUMBUS, OH 43215

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Apr 28, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 321 Harding St was $1,161.

Source: Defiance County assessment roll, as of October 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,161.00	$30,470 (-) Land $4,970 Building $25,500
2024	$1,161.00 (+1.22%)	$30,470 (-) Land $4,970 Building $25,500	$87,060 (+%) Land $14,200 Building $72,860
2023	$1,147.00 (+11.25%)	$30,470 (+23.76%) Land $4,970 Building $25,500	$87,057 Land $14,200 Building $72,857
2022	$1,031.00	$24,620 Land $4,970 Building $19,650
2020			$70,350 Land $14,200 Building $56,150

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 321 Harding St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 8, 2021

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

The area around 321 Harding St has no burnable land within ember reach, so its wildfire risk is not rated.

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	DEFIANCE CITY serves 16,494 people · EPA ID OH2000111
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2022
Treatment and Procedure	Corrosion control Jan 2018
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 251 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
MetaLINK Technologies Fixed Wireless · Fiber in parts of the area	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: RTEC Communications.

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