344 E Williams St, Cardington, OH 43315 Property Records

Morrow County property record for 344 E Williams St, Cardington, OH 43315

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,116 sqft · built 1984
Lot Size	0.379 acres (16,509 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Jun 1984)
Tax Bill	$5,130 (2025)
Deeds & Mortgages	May 2020 Refinance May 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C09-035-00-219-06`

Property Details

APN / Parcel Number

Primary APN	`C09-035-00-219-06`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,116 sqft Living Area
Gross Area	4,960 sqft
1st Floor Area	4,232 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	16,509 sqft (0.379 acres)
Lot Dimensions	150 ft deep x 110 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	84 sqft
Deck Area	160 sqft
Patio Area	160 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	344 E WILLIAMS ST
City	CARDINGTON
State	OH
Zip	43315-1151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 553 GREEN SUBDIVISION RTS:170622
Legal Subdivision	GREEN SUBDIVISION
Legal Lot Number	553
Jurisdiction	MORROW OH
Township / Civil Division	CARDINGTON
Census Block Group	1
Census Block	1038
Census Tract	965300

Owner

344 E Williams St is owned and occupied by an individual who acquired it in May 2020.

Source: Morrow County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	344 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.

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST FEDERAL BANK OF OHIO
May 27, 2020	Quit Claim Deed, Transfer Quitclaim
Jul 18, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 1984 · Amount on File
Deed Sale	Jun 1, 1984 · Amount on File
Last Transfer Date	May 15, 2020
Transfer Doc	0000977/99
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	344 E WILLIAMS ST, CARDINGTON, OH 43315-1151
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000977/101
Date	May 27, 2020
Book Page	977/101
Instrument	392793

Lender

Name	FIRST FEDERAL BANK OF OHIO

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MORROW OH
Recording Date	May 27, 2020
Property Address	344 E WILLIAMS ST, CARDINGTON, OH 43315-1151
Document Number	0000977/99
Book / Page	977 / 99
Instrument Date	May 15, 2020
Instrument	392752
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 E WILLIAMS ST, CARDINGTON, OH 43315-1151

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OH
Recording Date	Jul 18, 2019
Property Address	344 E WILLIAMS ST, CARDINGTON, OH 43315-1151
Document Number	000951/273
Book / Page	951 / 273
Instrument Date	Jul 18, 2019
Instrument	387907
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 E WILLIAMS ST, CARDINGTON, OH 43315-1151
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 344 E Williams St was $5,130 with a homeowner's exemption.

Source: Morrow County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Morrow County
County Subdivision	Cardington Township
Municipality	Cardington Village
Unified School District	Cardington-Lincoln Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$233,600 Land $27,200 Building $206,400
2025	$5,130.00 Homeowner's exemption	$81,760 Land $9,520 Building $72,240
2023	$3,509.00 (+13.05%)	$81,760 (+26.88%) Land $9,520 Building $72,240	$233,600 Land $27,200 Building $206,400
2022	$3,104.00	$64,440 Land $7,560 Building $56,880
2020			$184,100 Land $21,600 Building $162,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 344 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

Wildfire risk around 344 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 95% of the US · lower than 78% of Ohio
Wildfire Likelihood	Under 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Brightspeed.

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