Champaign County property record for 3274 E State Rte 296, Urbana, OH 43078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,860 sqft · built 1920 |
| Lot Size | 3.08 acres (134,470 sqft) |
| Owner | Individual Name on File |
| Last Sale | $159,000 (Oct 2014) |
| Tax Bill | $3,365 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jan 2005 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 019262-0 |
| Primary APN | 019262-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,860 sqft Living Area |
| 1st Floor Area | 1,188 sqft |
| Upper Floors Area | 672 sqft |
| Basement Area | 448 sqft |
| Unfinished Basement | 448 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 134,470 sqft (3.08 acres) |
| Garage Type | Detached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 400 sqft |
| Patio Area | 400 sqft |
| Shed | 1 Shed |
| Shed Area | 150 sqft |
| Heating System | Heat Pump |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 019262-0 |
|---|---|
| Street Address | 3274 E STATE ROUTE 296 |
| City | URBANA |
| State | OH |
| Zip | 43078-9526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RTS 00-00-00 __ 4544 PETERSON |
| Legal Subdivision | VIRGINIA MILITARY SURVEY 4544 |
| Jurisdiction | CHAMPAIGN OH |
| Township / Civil Division | SALEM |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 11501 |
3274 E State Rte 296 is owned and occupied by an individual who bought it in October 2014.
Source: Champaign County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3274 E STATE ROUTE 296, URBANA, OH 43078-9526 |
| 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 |
|---|---|
| Dec 28, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 6, 2005 | Deed of Trust, Mortgage HOME EQUITY OF AMERICA INC |
| Oct 1, 2014 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2014 · Amount on File |
| Deed Sale | Oct 1, 2014 · Amount on File |
| Prior Sale | Nov 18, 2003 · Amount on File |
| Deed Document Number | 20144007 |
| Deed Book / Page | 526 / 3321 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Property Address | 3274 E STATE ROUTE 296, URBANA, OH 43078-9526 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00582/5227 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 582/5227 |
| Instrument | 202100007313 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Property Address | 3274 E STATE ROUTE 296, URBANA, OH 43078-9526 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00436/1900 |
|---|---|
| Date | Jan 6, 2005 |
| Book Page | 436/1900 |
| Instrument | 200500000125 |
| Name | HOME EQUITY OF AMERICA INC |
|---|---|
| Type | Non-Lending Institution |
| Address | MERRILLVILLE, IN 46410 |
| Amount | Amount on Record |
|---|---|
| Term | 239 Months |
| Due | Dec 20, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Recording Date | Oct 1, 2014 |
| Property Address | 3274 E STATE ROUTE 296, URBANA, OH 43078-9526 |
| Document Number | 00526/3321 |
| Book / Page | 526 / 3321 |
| Instrument Date | Sep 30, 2014 |
| Instrument | 201400004007 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3274 E STATE ROUTE 296, URBANA, OH 43078-9526 |
| Document Number | 201400004008 |
|---|---|
| Date | Oct 1, 2014 |
| Instrument | 201400004008 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2044 |
The 2025 property tax bill for 3274 E State Rte 296 was $3,365 with a homeowner's exemption, down 8.3% from the year before.
Source: Champaign County assessment roll, as of March 26, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Champaign County |
| County Subdivision | Salem Township |
| Unified School District | West Liberty-Salem Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,365.00 (-8.29%) | $106,220 (+21.38%) Land $25,690 Building $80,530 | $303,500 Land $73,410 Building $230,090 |
| 2024 | $3,669.00 (+10.65%) Homeowner's exemption | $87,510 (-) Land $14,390 Building $73,120 | |
| 2023 | $3,316.00 (+2.41%) Homeowner's exemption | $87,510 (+2.81%) Land $14,390 Building $73,120 | $250,030 (-) Land $41,110 Building $208,920 |
| 2022 | $3,238.00 Homeowner's exemption | $85,120 Land $14,390 Building $70,730 | $250,030 Land $41,110 Building $208,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3274 E State Rte 296 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 September 12, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 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.
The area around 3274 E State Rte 296 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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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