323 E Prospect St, Girard, OH 44420 Property Records

Trumbull County property record for 323 E Prospect St, Girard, OH 44420

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,054 sqft · built 1917
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Jun 2026)
Tax Bill	$993 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-004850`

Property Details

APN / Parcel Number

Primary APN	`14-004850`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,054 sqft Living Area
1st Floor Area	1,948 sqft
Upper Floors Area	720 sqft
Attic	Attic
Attic Area	360 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	141 ft deep x 50 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Pool Area	420 sqft
Porch	Slab
Porch Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	323 E PROSPECT ST
City	GIRARD
State	OH
Zip	44420-2634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	57 50F GD VU EX PROSPECT ST
Legal Subdivision	GARDEN VIEW
Legal Lot Number	57
Jurisdiction	TRUMBULL OH
Township / Civil Division	LIBERTY
Census Block Group	1
Census Block	1004
Census Tract	932200

Owner

323 E Prospect St is owned and occupied by an individual who bought it in June 2026.

Source: Trumbull County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	323 E PROSPECT ST, GIRARD, OH 44420-2634
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
Jun 2, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 20, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Prior Sale	Jan 1, 1990
Deed Document Number	20269444
Prior Transfer Date	Dec 15, 2011
Prior Transfer Doc	0000024495
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRUMBULL OH
Recording Date	Jun 2, 2026
Property Address	323 E PROSPECT ST, GIRARD, OH 44420-2634
Document Number	0000009444
Instrument Date	Jun 1, 2026
Instrument	20269444
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,560.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 E PROSPECT ST, GIRARD, OH 44420-2634

Mortgage

Document Number	0000009445,
Date	Jun 2, 2026
Instrument	202629445

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Jul 1, 2054

Interest

Rate	6.3%
Max Rate	-1%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRUMBULL OH
Property Address	323 E PROSPECT ST, GIRARD, OH 44420-2634
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 PROSPECT ST, GIRARD, OH 44420-2634

Mortgage

Document Number	0000009124
Date	May 20, 2019
Instrument	201905200009124

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 323 E Prospect St was $993 with a homeowner's exemption.

Source: Trumbull County assessment roll, as of April 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Trumbull County
County Subdivision	Liberty Township
Municipality	Girard City
Unified School District	Girard City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$993.00	$34,450 (-) Land $3,120 Building $31,330
2024	$993.00 (-5.79%) Homeowner's exemption	$34,450 (-) Land $3,120 Building $31,330
2023	$1,054.00 (+29.64%) Homeowner's exemption	$34,450 (+41.77%) Land $3,120 Building $31,330	$98,400 Land $8,900 Building $89,500
2022	$813.00 Homeowner's exemption	$24,300 Land $3,120 Building $21,180
2020			$69,400 Land $8,900 Building $60,500

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 323 E Prospect St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 26, 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 323 E Prospect 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	GIRARD CITY serves 13,263 people · EPA ID OH7801103
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 676 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
T-Mobile Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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