356 E Main St, Cardington, OH 43315 Property Records

Morrow County property record for 356 E Main St, Cardington, OH 43315

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,290 sqft · built 1974
Lot Size	0.727 acres (31,668 sqft)
Owner	Individual Name on Record
Last Sale	$132,000 (Mar 2006)
Tax Bill	$3,948 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C09-011-00-011-00`

Property Details

APN / Parcel Number

Primary APN	`C09-011-00-011-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,290 sqft Living Area
Gross Area	3,176 sqft
1st Floor Area	2,580 sqft
Basement Area	1,290 sqft
Unfinished Basement	1,290 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Wood
Lot Area	31,668 sqft (0.727 acres)
Lot Dimensions	264 ft deep x 120 ft wide
Garage Area	1,600 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Deck Area	436 sqft
Patio Area	436 sqft
Canopy	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	356 E MAIN ST
City	CARDINGTON
State	OH
Zip	43315-9573
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OUT LOT 172-D & E RTS:0
Legal Lot Number	172,D
Jurisdiction	MORROW OH
Township / Civil Division	CARDINGTON
Census Block Group	1
Census Block	1042
Census Tract	965300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	356 E MAIN ST, CARDINGTON, OH 43315-9573
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2017	Deed of Trust, Mortgage CES CU
Aug 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CES CREDIT UNION
Jul 12, 2012	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK OF OHIO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2006 · Amount on Record
Deed Sale	Mar 9, 2006 · Amount on Record
Prior Sale	Mar 17, 1994 · Amount on Record
Last Transfer Date	Nov 21, 2014
Transfer Doc	0000362117
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	356 E MAIN ST, CARDINGTON, OH 43315-9573
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000902/0000000804
Date	Aug 31, 2017
Book Page	0000000902/0000000804
Instrument	000000377588

Lender

Name	CES CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	173 Months
Due	Jan 1, 2032

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	356 E MAIN ST, CARDINGTON, OH 43315-9573
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001025/357
Date	Aug 31, 2021
Book Page	1025/357
Instrument	401975

Lender

Name	CES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Sep 1, 2035

July 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORROW OH
Recording Date	Jul 12, 2012
Property Address	356 E MAIN ST, CARDINGTON, OH 43315-9573
Document Number	000770/488
Book / Page	770 / 488
Instrument Date	Jul 9, 2012
Instrument	348380
Transaction Type	Transfer
Record Updated	May 20, 2022

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	356 E MAIN ST, CARDINGTON, OH 43315-9573

Mortgage

Document Number	000770/489
Date	Jul 12, 2012
Book Page	770/489
Instrument	348381

Lender

Name	FIRST FEDERAL BANK OF OHIO
Type	Bank
Address	140 N COLUMBUS ST, GALION, OH 44833

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2042

Tax Assessment & Valuation

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			$179,800 (-) Land $29,800 Building $150,000
2025	$3,948.00 (+69.88%) Homeowner's exemption	$62,930 (-) Land $10,430 Building $52,500
2023	$2,324.00 (+9.21%) Homeowner's exemption	$62,930 (+19.62%) Land $10,430 Building $52,500	$179,800 (+19.63%) Land $29,800 Building $150,000
2022	$2,128.00 Homeowner's exemption	$52,610 Land $9,730 Building $42,880
2020			$150,300 Land $27,800 Building $122,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 81% 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.

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.

Nearby Properties on E Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures