403 E Ward St, Urbana, OH 43078 Property Records

Champaign County property record for 403 E Ward St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,684 sqft · built 1900
Lot Size	0.146 acres (6,400 sqft)
Owner	2 Individual Names on File
Last Sale	$172,300 (Apr 2026)
Tax Bill	$1,973 (2025)
Deeds & Mortgages	Feb 2013 Line of Credit Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`024565-8`

Property Details

APN / Parcel Number

Primary APN	`024565-8`
Alternative APN	`K48-25-00-03-11-085-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,684 sqft Living Area
1st Floor Area	1,044 sqft
Upper Floors Area	640 sqft
Basement Area	640 sqft
Unfinished Basement	640 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	6,400 sqft (0.146 acres)
Lot Dimensions	160 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	235 sqft
Deck Area	372 sqft
Patio Area	372 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	024565-8
Street Address	403 E WARD ST
City	URBANA
State	OH
Zip	43078-1722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 00-00-00 __ T M GWYNNE ADDNLOT 64
Legal Subdivision	T M GWYNNE ADDN
Legal Lot Number	64
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	4
Census Block	4015
Census Tract	10500

Owner

403 E Ward St is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	403 E WARD ST, URBANA, OH 43078-1722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Feb 20, 2013	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Apr 29, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 6, 2023	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Jan 4, 2022	Warranty Deed, Transfer · Line of Credit THE PEOPLES SAVINGS & LOAN CO
Jan 4, 2022	Affidavit, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2026 · Amount on File
Deed Sale	Apr 29, 2026 · Amount on File
Prior Sale	Jan 6, 2023
Deed Document Number	20261684
Deed Book / Page	605 / 4509
Record Updated	Sep 20, 2026

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	403 E WARD ST, URBANA, OH 43078-1722
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00513/0153
Date	Feb 20, 2013
Book Page	0513/0153
Instrument	201300000881

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	FAIRBORN, OH 45324

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2043

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Apr 29, 2026
Property Address	403 E WARD ST, URBANA, OH 43078-1722
Document Number	0000001684
Book / Page	605 / 4509
Instrument Date	Apr 23, 2026
Instrument	20261684
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69,609.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	403 E WARD ST, URBANA, OH 43078-1722

Mortgage

Document Number	00605/4511,
Date	Apr 29, 2026
Book Page	605/4511
Instrument	20261685

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Jan 6, 2023
Property Address	403 E WARD ST, URBANA, OH 43078-1722
Document Number	00588/5763
Book / Page	588 / 5763
Instrument Date	Dec 28, 2022
Instrument	202300000090
Transaction Type	Transfer
Record Updated	Feb 13, 2023
Title Company	TEAM TITLE AND CLOSING SERVICES, TEAM TTL & CLOSING SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E WARD ST, URBANA, OH 43078-1722

Mortgage

Document Number	202300000091
Date	Jan 6, 2023
Instrument	202300000091

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Jan 4, 2022
Property Address	403 E WARD ST, URBANA, OH 43078-1722
Document Number	000583/137
Book / Page	583 / 137
Instrument Date	Dec 22, 2021
Instrument	202200000058
Transaction Type	Transfer
Record Updated	Feb 16, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	6790 UPPER VALLEY PIKE, WEST LIBERTY, OH 43357-9660

Mortgage

Document Number	202200000059
Date	Jan 4, 2022
Instrument	202200000059

Lender

Name	THE PEOPLES SAVINGS & LOAN CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Dec 25, 2041

January 2022: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CHAMPAIGN OH
Recording Date	Jan 4, 2022
Property Address	403 E WARD ST, URBANA, OH 43078-1722
Document Number	000583/135
Book / Page	583 / 135
Instrument Date	Dec 22, 2021
Instrument	202200000057
Transaction Type	Transfer
Record Updated	Feb 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 403 E Ward St was $1,973 with a homeowner's exemption, down 1% 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	Urbana Township
Municipality	Urbana City
Unified School District	Urbana City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,973.00 (-0.95%)	$58,670 (+32.32%) Land $5,590 Building $53,080	$167,610 Land $15,960 Building $151,650
2024	$1,992.00 (+5.29%) Homeowner's exemption	$44,340 (-) Land $5,110 Building $39,230
2023	$1,892.00 (+1.72%)	$44,340 (-) Land $5,110 Building $39,230	$126,680 (-) Land $14,590 Building $112,090
2022	$1,860.00 Homeowner's exemption	$44,340 Land $5,110 Building $39,230	$126,680 Land $14,590 Building $112,090

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

FEMA maps place 403 E Ward St 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

The area around 403 E Ward St has no burnable land within ember reach, so its wildfire risk is not rated.

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	URBANA CITY PWS serves 11,428 people · EPA ID OH1101212
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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 553 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40

May also be available: CT Communications Network, Verizon.

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