322 S Main St, Willard, OH 44890 Property Records

Huron County property record for 322 S Main St, Willard, OH 44890

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,517 sqft
Lot Size	0.134 acres (5,850 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Jun 2026)
Tax Bill	$1,166 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jul 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-0260-02-001-0000`

Property Details

APN / Parcel Number

Primary APN	`51-0260-02-001-0000`
Alternative APN	`484914`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,517 sqft Living Area
1st Floor Area	861 sqft
2nd Floor Area	656 sqft
Basement Area	831 sqft
Unfinished Basement	831 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,850 sqft (0.134 acres)
Lot Dimensions	150 ft deep x 39 ft wide
Terrain	High
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Patio Area	200 sqft
Balcony Area	16 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Connected

Location & Zoning

Account Number	484914
Street Address	322 S MAIN ST
City	WILLARD
State	OH
Zip	44890-1038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 884
Legal Subdivision	CITY/WILLARD
Legal Lot Number	884
Jurisdiction	HURON OH
Township / Civil Division	WILLARD
Census Block Group	3
Census Block	3027
Census Tract	916200

Owner

322 S Main St is owned and occupied by two individuals who bought it in June 2026.

Source: Huron County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	322 S MAIN ST, WILLARD, OH 44890-1038
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Jun 29, 2026	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE
Jul 30, 2026	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE
Jul 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage OHIO HOUSING FINANCE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on File
Deed Sale	Jun 29, 2026 · Amount on File
Prior Sale	Jan 19, 2016 · Amount on File
Deed Document Number	20263492
Prior Transfer Date	May 20, 2016
Prior Transfer Doc	0000003010
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HURON OH
Recording Date	Jun 29, 2026
Property Address	322 S MAIN ST, WILLARD, OH 44890-1038
Document Number	0000003492
Instrument Date	Jun 23, 2026
Instrument	20263492
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	AMERICAN R TITLE, AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,320.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	322 S MAIN ST, WILLARD, OH 44890-1038

Mortgage

Document Number	0000003493,
Date	Jun 29, 2026
Instrument	202606293493

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

Mortgage

Document Number	0000003494,
Date	Jun 29, 2026
Instrument	202606293494

Lender

Name	OHIO HOUSING FINANCE AGENCY

Agreement

Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HURON OH
Recording Date	Jul 30, 2026
Property Address	322 S MAIN ST, WILLARD, OH 44890-1038
Document Number	0000004225
Instrument Date	Jun 23, 2026
Instrument	20264225
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	AMERICAN R TITLE, AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 CRESTWOOD DR, WILLARD, OH 44890-1663

Mortgage

Document Number	0000004225,
Date	Jul 30, 2026
Instrument	20264225

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HURON OH
Recording Date	Jul 30, 2026
Property Address	322 S MAIN ST, WILLARD, OH 44890-1038
Document Number	0000004226
Instrument Date	Jun 23, 2026
Instrument	20264226
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	ATS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 S MAIN ST, WILLARD, OH 44890-1038

Mortgage

Document Number	0000004226,
Date	Jul 30, 2026
Instrument	20264226

Lender

Name	OHIO HOUSING FINANCE AGENCY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 322 S Main St was $1,166, up 0.4% from the year before.

Source: Huron County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Huron County
Municipality	Willard City
Unified School District	Willard City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,166.00 (+0.43%)	$32,790 (-) Land $3,760 Building $29,030	$93,670 (-) Land $10,730 Building $82,940
2024	$1,161.00 (+14.5%)	$32,790 (+24.25%) Land $3,760 Building $29,030	$93,670 Land $10,730 Building $82,940
2023	$1,014.00 (-1.36%)	$26,390 (-) Land $2,730 Building $23,660
2022	$1,028.00	$26,390 Land $2,730 Building $23,660
2021			$75,400 Land $7,800 Building $67,600

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 322 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 11, 2017

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 322 S Main 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	WILLARD CITY serves 7,099 people · EPA ID OH3901511
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2026) 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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 615 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Watch TV.

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