3951 E State Rte 296, Urbana, OH 43078 Property Records

Champaign County property record for 3951 E State Rte 296, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,616 sqft · built 2021
Lot Size	5 acres (217,887 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Nov 2020)
Tax Bill	$5,425 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Nov 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`036757-8`

Property Details

APN / Parcel Number

Primary APN	`036757-8`
Alternative APN	`L43-12-00-59-00-025-02`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,616 sqft Living Area
1st Floor Area	1,274 sqft
Upper Floors Area	1,342 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Other
Lot Area	217,887 sqft (5 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	036757-8
Street Address	3951 E STATE ROUTE 296
City	URBANA
State	OH
Zip	43078-9525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 00-00-00 __ 9455 CAMPBELLTRACT 2EASEMENT
Legal Subdivision	VIRGINIA MILITARY SURVEY 9455
Legal Tract	2
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	WAYNE
Census Block Group	1
Census Block	1010
Census Tract	10100

Owner

3951 E State Rte 296 is owned and occupied by an individual who bought it in November 2020.

Source: Champaign County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	319 EAST ST, NORTH LEWISBURG, OH 43060-9721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Jul 25, 2023	Deed of Trust, Mortgage · Commercial Mortgage THE PEOPLES SAVINGS BANK
Nov 25, 2020	Survivorship Deed, Transfer · Construction Mortgage PERPETUAL FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2020 · Amount on File
Deed Sale	Nov 25, 2020 · Amount on File
Deed Document Number	20205588
Deed Book / Page	574 / 4556
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	3951 E STATE ROUTE 296, URBANA, OH 43078-9525
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3951 E STATE ROUTE 296, URBANA, OH 43078-9525

Mortgage

Document Number	00591/2271
Date	Jul 25, 2023
Book Page	591/2271
Instrument	202300002745

Lender

Name	THE PEOPLES SAVINGS BANK
Type	Bank
Address	URBANA, OH 43078

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	337 Months
Due	Aug 1, 2051

November 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Nov 25, 2020
Property Address	3951 E STATE ROUTE 296, URBANA, OH 43078-9525
Document Number	00574/4556
Book / Page	574 / 4556
Instrument Date	Nov 16, 2020
Instrument	202000005588
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

Amount	Amount 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
Relationship	Right of Survivorship
Address	319 EAST ST, NORTH LEWISBURG, OH 43060-9721
Investor	Possibly a Property Investor

Mortgage

Document Number	202000005589
Date	Nov 25, 2020
Instrument	202000005589

Lender

Name	PERPETUAL FSB
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Nov 1, 2051

Mortgage

Document Number	000575/174
Date	Dec 11, 2020
Book Page	575/174
Instrument	202000005851

Lender

Name	PERPETUAL FSB
Type	Bank
Address	URBANA, OH 43078

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	371 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3951 E State Rte 296 was $5,425 with a homeowner's exemption, down 8.3% from the year before.

Source: Champaign County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Champaign County
County Subdivision	Wayne Township
Unified School District	Triad Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,425.00 (-8.28%)	$167,000 (+10.04%) Land $31,120 Building $135,880	$477,140 Land $88,900 Building $388,240
2024	$5,915.00 (+0.14%) Homeowner's exemption	$151,760 (-) Land $14,710 Building $137,050
2023	$5,907.00 (-6.46%) Homeowner's exemption	$151,760 (-) Land $14,710 Building $137,050	$433,600 (-) Land $42,030 Building $391,570
2022	$6,315.00	$151,760 Land $14,710 Building $137,050	$433,600 Land $42,030 Building $391,570

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

Flood

FEMA maps place 3951 E State Rte 296 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 12, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3951 E State Rte 296 is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Watch TV Fixed Wireless	400 / 40

May also be available: AT&T, CT Communications Network.

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