Morrow County property record for 326 E Williams St, Cardington, OH 43315
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,680 sqft · built 1979 |
| Lot Size | 1.4 acres (61,245 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,276 (2025) |
| Deeds & Mortgages | Aug 2021 Refinance Jul 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | C09-035-00-219-01 |
| Primary APN | C09-035-00-219-01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| Gross Area | 4,452 sqft |
| 1st Floor Area | 3,360 sqft |
| Basement Area | 3,136 sqft |
| Unfinished Basement | 1,432 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Foundation Type | No Foundation |
| Lot Area | 61,245 sqft (1.4 acres) |
| Garage Area | 1,092 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 108 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 326 E WILLIAMS ST |
|---|---|
| City | CARDINGTON |
| State | OH |
| Zip | 43315-1151 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 548 RTS:170602 |
| Legal Lot Number | 548 |
| Jurisdiction | MORROW OH |
| Township / Civil Division | CARDINGTON |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 965300 |
326 E Williams St is owned and occupied by an individual who acquired it in July 2001.
Source: Morrow County records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 326 E WILLIAMS ST, CARDINGTON, OH 43315-1151 |
| 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.
| Date | Document |
|---|---|
| Aug 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance UNION HOME MORTGAGE |
| Jul 30, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance UNION HOME MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2001 |
| Deed Sale | Jul 12, 2001 |
| Prior Sale | May 18, 1993 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORROW OH |
| Property Address | 326 E WILLIAMS ST, CARDINGTON, OH 43315-1151 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001023/387 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 1023/387 |
| Instrument | 401604 |
| Name | UNION HOME MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORROW OH |
| Property Address | 326 E WILLIAMS ST, CARDINGTON, OH 43315-1151 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 983/710 |
|---|---|
| Date | Jul 30, 2020 |
| Book Page | 983/710 |
| Instrument | 394039 |
| Name | UNION HOME MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 326 E Williams St was $4,276.
Source: Morrow County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Morrow County |
| County Subdivision | Cardington Township |
| Municipality | Cardington Village |
| Unified School District | Cardington-Lincoln Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $194,700 Land $33,400 Building $161,300 | ||
| 2025 | $4,276.00 | $68,150 Land $11,690 Building $56,460 | |
| 2023 | $3,094.00 (+3.69%) | $70,250 (+16.13%) Land $11,690 Building $58,560 | $200,700 Land $33,400 Building $167,300 |
| 2022 | $2,984.00 | $60,490 Land $7,040 Building $53,450 | |
| 2020 | $172,800 Land $20,100 Building $152,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 326 E Williams St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 11, 2024 · 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 Policies | 1 in force |
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 risk around 326 E Williams St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 74% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CARDINGTON VILLAGE PWS serves 2,079 people · EPA ID OH5900112 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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