345 E Williams St, Cardington, OH 43315 Property Records

Morrow County property record for 345 E Williams St, Cardington, OH 43315

Property Summary

Property Type	Residential
Details	1,718 sqft · built 2024
Lot Size	0.447 acres (19,471 sqft)
Owner	Individual Name on File
Tax Bill	$345 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C09-006-B0-012-02`

Property Details

APN / Parcel Number

Primary APN	`C09-006-B0-012-02`

Interior

Total Rooms	5 Rooms
Building Area	1,718 sqft Living Area
Gross Area	3,920 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Metal
Lot Area	19,471 sqft (0.447 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	343 E WILLIAMS ST
City	CARDINGTON
State	OH
Zip	43315-1152
Property Category	Residential
Property Type	Residential > Specialized > Other
Legal Description	OUT LOT 93 D RTS:170622
Legal Lot Number	93
Jurisdiction	MORROW OH
Township / Civil Division	CARDINGTON
Census Block Group	1
Census Block	1041
Census Tract	965300

Owner

345 E Williams St, a residential property, is owned and occupied by an individual who acquired it in February 2002.

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

Owner of Record	Individual Name on File
Mailing Address	343 E WILLIAMS ST, CARDINGTON, OH 43315-1152
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
Nov 17, 2025	Warranty Deed, Transfer UNITED FCU
Nov 7, 2024	Quit Claim Deed, Transfer Quitclaim
Jul 8, 2024	Warranty Deed, Transfer
Aug 6, 2021	Deed, Transfer · Stand-Alone First Mortgage PARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2002
Deed Sale	Feb 12, 2002
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OH
Recording Date	Nov 17, 2025
Property Address	343 E WILLIAMS ST, CARDINGTON, OH 43315-1152
Document Number	001146/335
Book / Page	1146 / 335
Instrument Date	Nov 13, 2025
Instrument	425792
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	343 E WILLIAMS ST, CARDINGTON, OH 43315-1152

Mortgage

Document Number	0001146338
Date	Nov 17, 2025
Instrument	1146/338

Lender

Name	UNITED FCU

Agreement

Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

November 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MORROW OH
Recording Date	Nov 7, 2024
Property Address	343 E WILLIAMS ST, CARDINGTON, OH 43315-1152
Document Number	001116/858
Book / Page	1116 / 858
Instrument Date	Oct 22, 2024
Instrument	420165
Transaction Type	Transfer
Record Updated	May 26, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 158, MARENGO, OH 43334-0158

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OH
Recording Date	Jul 8, 2024
Property Address	343 E WILLIAMS ST, CARDINGTON, OH 43315-1152
Document Number	001107/444
Book / Page	1107 / 444
Instrument Date	Jul 8, 2024
Instrument	418289
Transaction Type	Transfer
Record Updated	May 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 158, MARENGO, OH 43334-0158

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MORROW OH
Recording Date	Aug 6, 2021
Property Address	343 E WILLIAMS ST, CARDINGTON, OH 43315-1152
Document Number	001022/987
Book / Page	1022 / 987
Instrument Date	Aug 5, 2021
Instrument	401525
Transaction Type	Transfer
Record Updated	May 26, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000401526
Date	Aug 6, 2021
Instrument	401526

Lender

Name	PARK NATIONAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	169 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 345 E Williams St was $345, up 52% from the year before.

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			$15,700 Land $15,700
2025	$345.00 (+51.98%)	$5,500 (+4.76%) Land $5,500
2024	$227.00	$5,250 (-) Land $5,250
2023	$227.00 (+49.34%)	$5,250 (+66.67%) Land $5,250	$15,000 Land $15,000
2022	$152.00	$3,150 Land $3,150
2020			$9,000 Land $9,000

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

Flood

FEMA maps place 345 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 345 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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