321 Sylvan Ave, Lancaster, OH 43130 Property Records

Fairfield County property record for 321 Sylvan Ave, Lancaster, OH 43130

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1900
Lot Size	0.113 acres (4,940 sqft)
Owner	Individual Name on Record
Tax Bill	$5,031 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage May 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-31178-100`

Property Details

APN / Parcel Number

Primary APN	`05-31178-100`
Alternative APN	`0107 00173`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	588 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Lot Area	4,940 sqft (0.113 acres)
Lot Dimensions	130 ft deep x 38 ft wide
Garage Type	Detached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	408 sqft
Deck Area	220 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	321 SYLVAN AVE
City	LANCASTER
State	OH
Zip	43130-2842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROLLING MILL ADD LOT 15
Legal Subdivision	ROLLING MILL ADD
Legal Lot Number	15
Jurisdiction	FAIRFIELD OH
Township / Civil Division	LANCASTER CITY
Census Block Group	4
Census Block	4003
Census Tract	31700

Owner

Source: Fairfield 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	321 SYLVAN AVE, LANCASTER, OH 43130-2842
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOWER LLC
May 21, 2026	Quit Claim Deed, Transfer · FHA Mortgage LOWER LLC
Apr 19, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOWER LLC
Apr 19, 2024	Affidavit, Transfer · Conventional Mortgage LOWER LLC
Jun 5, 2017	Warranty Deed, Transfer · Line of Credit FAIRFIELD FED'L S&L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026
Deed Sale	May 21, 2026
Prior Sale	Apr 19, 2024 · Amount on Record
Deed Document Number	20268448
Prior Transfer Date	May 12, 2026
Prior Transfer Doc	0000008448
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	321 SYLVAN AVE, LANCASTER, OH 43130-2842
Transaction Type	Mortgage
Record Updated	Jun 10, 2026
Title Company	VALMER LAND TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005683
Date	Apr 19, 2024
Instrument	202400005683

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	5950 SYMPHONY WOODS RD STE 301, COLUMBIA, MD 21044

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FAIRFIELD OH
Recording Date	May 21, 2026
Property Address	321 SYLVAN AVE, LANCASTER, OH 43130-2842
Document Number	0000008448
Instrument Date	May 12, 2026
Instrument	20268448
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	SUMMIT SETTLEMENT SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	321 SYLVAN AVE, LANCASTER, OH 43130-2842

Mortgage

Document Number	0000008449,
Date	May 21, 2026
Instrument	20268449

Lender

Name	LOWER LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	321 SYLVAN AVE, LANCASTER, OH 43130-2842
Transaction Type	Mortgage
Record Updated	May 8, 2024
Title Company	VALMER LAND TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005683
Date	Apr 19, 2024
Instrument	202400005683

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	5950 SYMPHONY WOODS RD STE 301, COLUMBIA, MD 21044

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

April 2024: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	FAIRFIELD OH
Recording Date	Apr 19, 2024
Property Address	321 SYLVAN AVE, LANCASTER, OH 43130-2842
Document Number	0000005681
Map Reference	MB 1 PG 15
Instrument Date	Apr 12, 2024
Instrument	202400005681
Transaction Type	Transfer
Record Updated	Jun 4, 2024

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	5950 SYMPHONY WOODS RD STE 301, 301, COLUMBIA, MD 21044-3590

Mortgage

Document Number	0000005682
Date	Apr 19, 2024
Instrument	202400005682

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	5950 SYMPHONY WOODS RD STE 301, COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Jun 5, 2017
Property Address	321 SYLVAN AVE, LANCASTER, OH 43130-2842
Document Number	0000009945
Book / Page	001739 / 002398
Instrument Date	Jun 5, 2017
Instrument	9945
Transaction Type	Transfer
Record Updated	Jun 16, 2017
Title Company	LANCO TITLE AGENCY, LANCO TITLE AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$332.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	321 SYLVAN AVE LANCASTER OH 431302842, LANCASTER, OH 43130-2842

Mortgage

Document Number	9946
Date	Jun 5, 2017
Book Page	001739/002400
Instrument	9946

Lender

Name	FAIRFIELD FED'L S&L
Type	Federal Savings Bank
Address	LANCASTER, OH 43130

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Fairfield County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Fairfield County
Municipality	Lancaster City
Unified School District	Lancaster City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,031.00 (+8.5%)	$55,970 (+21.04%) Land $11,070 Building $44,900	$159,900 (+21.02%) Land $31,620 Building $128,280
2023	$4,637.00 (+158.91%) Homeowner's exemption	$46,240 (-) Land $7,330 Building $38,910
2022	$1,791.00 Homeowner's exemption	$46,240 Land $7,330 Building $38,910	$132,130 Land $20,950 Building $111,180

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 December 11, 2025 · 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 Claims	1 (1983)
Most Recent Claim	May 1983 · rainfall accumulation

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	LANCASTER CITY PWS serves 40,400 people · EPA ID OH2301012
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 604 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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