398 Garner Ln, Lancaster, OH 43130 Property Records

Fairfield County property record for 398 Garner Ln, Lancaster, OH 43130

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,684 sqft · built 1952
Lot Size	0.407 acres (17,746 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Dec 1994)
Tax Bill	$2,728 (2023)
Deeds & Mortgages	Aug 2022 Line of Credit Mar 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053-40582.00`

Property Details

APN / Parcel Number

Primary APN	`053-40582.00`
Alternative APN	`0403 00130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,684 sqft Living Area
1st Floor Area	1,403 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1980
Architectural Style	Cape Cod
Exterior Material	Brick
Lot Area	17,746 sqft (0.407 acres)
Lot Dimensions	169 ft deep x 105 ft wide
Garage Area	296 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	92 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Oil
Heating Fuel	Gas

Location & Zoning

Account Number	0403 00130
Street Address	398 GARNER LN
City	LANCASTER
State	OH
Zip	43130-3315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BALDWIN HEIGHTS ADD BLOCK 6 LOT 6 IRREG 7E
Legal Subdivision	BALDWIN HEIGHTS
Legal Block	6
Legal Lot Number	6
Jurisdiction	FAIRFIELD OH
Township / Civil Division	LANCASTER CITY
Census Block Group	2
Census Block	2005
Census Tract	31300

Owner

398 Garner Ln is owned and occupied by an individual who bought it in December 1994.

Source: Fairfield County records, as of March 11, 2026

Owner of Record	Individual Name on File
Mailing Address	398 GARNER LN, LANCASTER, OH 43130-3315
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
Aug 1, 2022	Deed of Trust, Mortgage · Line of Credit FAIRFIELD FSLA
Mar 7, 2019	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Nov 9, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 1994 · Amount on File
Deed Sale	Dec 6, 1994 · Amount on File
Deed Document Number	0000631614
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	398 GARNER LN, LANCASTER, OH 43130-3315
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015750
Date	Aug 1, 2022
Instrument	202200015750

Lender

Name	FAIRFIELD FSLA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 31, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	398 GARNER LN, LANCASTER, OH 43130-3315
Document Number	0000004335
Instrument Date	Mar 7, 2019
Transaction Type	Mortgage
Record Updated	Jun 21, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 GARNER LN LANCASTER OH 431303315, LANCASTER, OH 43130-3315

Mortgage

Document Number	0000004335
Date	Mar 25, 2019
Book Page	001787/001659
Instrument	4335

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 24, 2029

Interest

Rate Type	Adjustable Rate

November 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	FAIRFIELD OH
Recording Date	Nov 9, 2018
Property Address	398 GARNER LN, LANCASTER, OH 43130-3315
Document Number	0000020625
Book / Page	001779 / 001134
Instrument Date	Nov 9, 2018
Instrument	20625
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 GARNER LN LANCASTER OH 431303315, LANCASTER, OH 43130-3315

Tax Assessment & Valuation

Source: Fairfield County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Fairfield County
Municipality	Lancaster City
Unified School District	Lancaster City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$95,020 Land $25,730 Building $69,290	$271,500 Land $73,520 Building $197,980
2023	$2,728.00 Homeowner's exemption	$75,020 (-) Land $13,520 Building $61,500
2022	Homeowner's exemption	$75,020 Land $13,520 Building $61,500	$214,340 Land $38,630 Building $175,710

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

Flood

FEMA maps place 398 Garner Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 11, 2025 · 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 398 Garner Ln 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 93% of the US · lower than 68% 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	LANCASTER CITY PWS serves 40,400 people · EPA ID OH2301012
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Garner Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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