3915 James Ave, Huron, OH 44839 Property Records

Erie County property record for 3915 James Ave, Huron, OH 44839

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,484 sqft · built 1970
Lot Size	0.344 acres (15,002 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Dec 2023)
Tax Bill	$2,845 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39-00470-000`

Property Details

APN / Parcel Number

Primary APN	`39-00470-000`
Alternative APN	`001614-4`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,484 sqft Living Area
Gross Area	3,126 sqft
1st Floor Area	1,684 sqft
Basement Area	1,442 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	15,002 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	Deck Area
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	001614-4
Street Address	3915 JAMES AVE
City	HURON
State	OH
Zip	44839-2134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	29 FITZGERALD SUB 2A
Legal Subdivision	FITZGERALD SUBDIVISION NO 2-A
Legal Lot Number	29
Jurisdiction	ERIE OH
Township / Civil Division	HURON
Census Block Group	1
Census Block	1012
Census Tract	40400

Owner

Source: Erie County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3915 JAMES AVE, HURON, OH 44839-2134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Warranty Deed, Transfer · Conventional Mortgage CIVISTA BANK
May 11, 2022	Deed of Trust, Mortgage · ARM THIRD FSLA OF CLEVELAND
Jul 6, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Prior Sale	Mar 12, 2015 · Amount on Record
Deed Document Number	20239247
Prior Transfer Date	Sep 21, 2010
Prior Transfer Doc	0000007031
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE OH
Recording Date	Dec 28, 2023
Property Address	3915 JAMES AVE, HURON, OH 44839-2134
Document Number	0000009247
Map Reference	VOL 20 PG 46
Instrument Date	Dec 26, 2023
Instrument	202309247
Transaction Type	Transfer
Record Updated	Jan 24, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3915 JAMES AVE, HURON, OH 44839-2134

Mortgage

Document Number	0000009248
Date	Dec 28, 2023
Instrument	202309248

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE OH
Property Address	3915 JAMES AVE, HURON, OH 44839-2134
Transaction Type	Mortgage
Record Updated	May 25, 2022
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004672
Date	May 11, 2022
Instrument	202204672

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.34%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.34%
Index	Prime Rate
Max Rate	8.34%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE OH
Property Address	3915 JAMES AVE, HURON, OH 44839-2134
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005919
Date	Jul 6, 2017
Instrument	201705919

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 8, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Erie County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Erie County
County Subdivision	Huron Township
Unified School District	Huron City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,845.00 (-4.27%)	$85,396 (-) Land $15,925 Building $69,471
2024	$2,972.00 (+33.33%) Homeowner's exemption	$85,396 (+55.04%) Land $15,925 Building $69,471	$243,990 (+55.04%) Land $45,500 Building $198,490
2023	$2,229.00 (-0.89%) Homeowner's exemption	$55,079 (-) Land $14,000 Building $41,079
2022	$2,249.00 Homeowner's exemption	$55,079 Land $14,000 Building $41,079
2021			$157,370 Land $40,000 Building $117,370

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 April 5, 2023 · 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 Claims	1 (1979)
Most Recent Claim	Jun 1979 · tidal / storm surge

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 98% of the US · lower than 90% 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	ERIE CO MARGARETTA DISTRICT serves 5,131 people · EPA ID OH2200203
Water Source	Purchased surface water from SANDUSKY CITY
Last State Inspection	Mar 2025
Lead	2 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	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber · Cable in parts of the area	10,000 / 10,000
Omni Fiber Fiber	10,000 / 10,000
Frontier Fiber	7,000 / 7,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Watch TV.

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