Richland County property record for 40 Clare Rd, Ontario, OH 44906
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,378 sqft · built 1993 |
| Lot Size | 0.298 acres (12,998 sqft) |
| Owner | Individual Name on File |
| Last Sale | $193,000 (Aug 2022) |
| Tax Bill | $3,090 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Feb 2006 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-60-201-18-000 |
| Primary APN | 038-60-201-18-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,378 sqft Living Area |
| 1st Floor Area | 676 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum Siding |
| Lot Area | 12,998 sqft (0.298 acres) |
| Lot Dimensions | 130 ft deep x 100 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | 280 sqft |
| Patio Area | 280 sqft |
| Balcony Area | 26 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 40 CLARE RD |
|---|---|
| City | ONTARIO |
| State | OH |
| Zip | 44906-1308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ONTARIO VILLAGE 281 102.4X120 |
| Legal Subdivision | MAGISTROS ALLOTMENT |
| Jurisdiction | RICHLAND OH |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 2400 |
40 Clare Rd is owned and occupied by an individual who bought it in August 2022.
Source: Richland County records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| 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.
| Date | Document |
|---|---|
| Mar 3, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 1, 2006 | Deed of Trust, Mortgage · Conventional Mortgage MECHANICS SAVINGS BANK |
| Oct 20, 2016 | Deed of Trust, Mortgage · Line of Credit RICHLAND BANK |
| Aug 9, 2024 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 5, 2022 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage OHIO HOUSING FINANCE AGENCY |
| Apr 29, 2020 | Warranty Deed, Transfer · FHA Mortgage LENDUS LLC |
| Jun 27, 2017 | Warranty Deed, Transfer · ARM MECHANICS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2022 · Amount on File |
| Deed Sale | Aug 5, 2022 · Amount on File |
| Prior Sale | Apr 29, 2020 · Amount on File |
| Deed Document Number | 20229789 |
| Deed Book / Page | 2994 / 1169 |
| Prior Transfer Date | Mar 23, 1993 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND OH |
| Property Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| Document Number | 002980/710 |
|---|---|
| Date | Mar 3, 2022 |
| Book Page | 2980/710 |
| Instrument | 202200002725 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND OH |
| Property Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 01611/0098 |
|---|---|
| Date | Feb 1, 2006 |
| Book Page | 1611/0098 |
| Instrument | 200600001750 |
| Name | MECHANICS SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | 2 S MAIN ST, MANSFIELD, OH 44902 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Feb 1, 2011 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND OH |
| Property Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02495/0528 |
|---|---|
| Date | Oct 20, 2016 |
| Book Page | 2495/0528 |
| Instrument | 201600011893 |
| Name | RICHLAND BANK |
|---|---|
| Type | Bank |
| Address | MANSFIELD, OH 44902 |
| Type | Line of Credit |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND OH |
| Property Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| Investor | Possibly a Property Investor |
| Document Number | 003018/103 |
|---|---|
| Date | Aug 9, 2024 |
| Book Page | 3018/103 |
| Instrument | 202400007733 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Aug 1, 2064 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND OH |
| Recording Date | Aug 5, 2022 |
| Property Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| Document Number | 02994/1169 |
| Book / Page | 2994 / 1169 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 202200009789 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Title Company | STONEMAN TITLE AGENCY, STONEGATE TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| Investor | Possibly a Property Investor |
| Document Number | 202200009790 |
|---|---|
| Date | Aug 5, 2022 |
| Instrument | 202200009790 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RICHLAND OH |
| Property Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | SOUTHERN TITLE |
| Name | Verified Name |
|---|
| Document Number | 2779/793 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 2779/793 |
| Instrument | 202000004420 |
| Name | OHIO HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | MANSFIELD, OH 44906 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND OH |
| Recording Date | Apr 29, 2020 |
| Property Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| Document Number | 002779/776 |
| Book / Page | 2779 / 776 |
| Instrument Date | Apr 29, 2020 |
| Instrument | 202000004418 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | SOUTHERN TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| Document Number | 202000004419 |
|---|---|
| Date | Apr 29, 2020 |
| Instrument | 202000004419 |
| Name | LENDUS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Number | 002779/793 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 2779/793 |
| Instrument | 202000004420 |
| Name | OHIO HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | MANSFIELD, OH 44906 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RICHLAND OH |
| Recording Date | Jun 27, 2017 |
| Property Address | 40 CLARE RD, ONTARIO, OH 44906-1308 |
| Document Number | 02551/0857 |
| Book / Page | 2551 / 0857 |
| Instrument Date | Jun 26, 2017 |
| Instrument | 201700007945 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6156 KIRKLINGTON CIR, WESTERVILLE, OH 43081-6011 |
| Document Number | 201700007946 |
|---|---|
| Date | Jun 27, 2017 |
| Instrument | 201700007946 |
| Name | MECHANICS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Max Rate | 9.5% |
The 2025 property tax bill for 40 Clare Rd was $3,090 with a homeowner's exemption.
Source: Richland County assessment roll, as of April 3, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Richland County |
| County Subdivision | Springfield Township |
| Municipality | Ontario City |
| Unified School District | Ontario Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,090.00 | $63,440 (-) Land $12,790 Building $50,650 | |
| 2024 | $3,090.00 (-2.25%) Homeowner's exemption | $63,440 (-) Land $12,790 Building $50,650 | |
| 2023 | $3,161.00 (+28.39%) Homeowner's exemption | $63,440 (+49.17%) Land $12,790 Building $50,650 | $181,250 Land $36,530 Building $144,720 |
| 2022 | $2,462.00 Homeowner's exemption | $42,530 Land $10,160 Building $32,370 | |
| 2020 | $121,520 Land $29,030 Building $92,490 |
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.
FEMA maps place 40 Clare Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · 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 risk around 40 Clare Rd 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 94% of the US · lower than 74% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ONTARIO CITY serves 6,756 people · EPA ID OH7003512 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Watch TV Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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