40 E Howard St, Girard, OH 44420 Property Records

Trumbull County property record for 40 E Howard St, Girard, OH 44420

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,860 sqft · built 1912
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$47,000 (Nov 2019)
Tax Bill	$1,290 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-217930`

Property Details

APN / Parcel Number

Primary APN	`14-217930`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,860 sqft Living Area
1st Floor Area	1,872 sqft
Upper Floors Area	616 sqft
Attic	Attic
Attic Area	308 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	40 E HOWARD ST
City	GIRARD
State	OH
Zip	44420-2921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 14 50F OSBORN HOWARD ST GIRARD CITY
Legal Subdivision	ABNER OSBORNE S ADDITION
Jurisdiction	TRUMBULL OH
Township / Civil Division	LIBERTY
Census Block Group	2
Census Block	2011
Census Tract	932200

Owner

Source: Trumbull County records, as of April 23, 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	40 E HOWARD ST, GIRARD, OH 44420-2921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Nov 13, 2019	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2019 · Amount on Record
Deed Sale	Nov 13, 2019 · Amount on Record
Prior Sale	Jul 22, 2014 · Amount on Record
Deed Document Number	201921261
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRUMBULL OH
Property Address	40 E HOWARD ST, GIRARD, OH 44420-2921
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 E HOWARD ST, GIRARD, OH 44420-2921

Mortgage

Document Number	0000016188
Date	Aug 8, 2022
Instrument	202208080016188

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TRUMBULL OH
Recording Date	Nov 13, 2019
Property Address	40 E HOWARD ST, GIRARD, OH 44420-2921
Document Number	0000021261
Map Reference	VOL 4 PG 14
Instrument Date	Oct 22, 2019
Instrument	201911130021261
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Address	40 E HOWARD ST, GIRARD, OH 44420-2921

Mortgage

Document Number	0000021262
Date	Nov 13, 2019
Instrument	201911130021262

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Trumbull County assessment roll, as of April 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Trumbull County
County Subdivision	Liberty Township
Municipality	Girard City
Unified School District	Girard City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,290.00	$31,610 (-) Land $3,150 Building $28,460
2024	$1,290.00 (-1.98%)	$31,610 (-) Land $3,150 Building $28,460
2023	$1,316.00 (+11.05%)	$31,610 (+39.37%) Land $3,150 Building $28,460	$90,300 (+39.35%) Land $9,000 Building $81,300
2022	$1,185.00	$22,680 Land $3,150 Building $19,530
2020			$64,800 Land $9,000 Building $55,800

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 August 26, 2021

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

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

Wildfire Risk	Not rated no burnable land within 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	GIRARD CITY serves 13,263 people · EPA ID OH7801103
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 719 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
T-Mobile Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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