405 E Main St, Fayette, OH 43521 Property Records

Fulton County property record for 405 E Main St, Fayette, OH 43521

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,232 sqft · built 2002
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jan 2019)
Tax Bill	$2,655 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-038616-00.000`

Property Details

APN / Parcel Number

Primary APN	`19-038616-00.000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Attic	Attic
Attic Area	492 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	352 sqft
Deck Area	296 sqft
Patio Area	296 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	405 E MAIN ST
City	FAYETTE
State	OH
Zip	43521-9790
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L GAMBERS DIVISION BLK 13 LOT 2 & 8FT ALLEY
Legal Subdivision	LORENZO GAMBERS ADDITION
Legal Block	13
Legal Lot Number	2,8F
Jurisdiction	FULTON OH
Township / Civil Division	GORHAM
Census Block Group	1
Census Block	1007
Census Tract	40800

Owner

405 E Main St is owned and occupied by an individual who bought it in January 2019.

Source: Fulton County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	405 E MAIN ST, FAYETTE, OH 43521-9790
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
Sep 11, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Dec 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 29, 2019	Fiduciary Deed, Transfer · FHA Mortgage AMERICAN FINANCING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2019 · Amount on File
Deed Sale	Jan 29, 2019 · Amount on File
Prior Sale	Jan 1, 1990
Deed Document Number	2019251236
Deed Book / Page	352 / 698
Prior Transfer Date	Jun 15, 2007
Prior Transfer Doc	0274/2142
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FULTON OH
Property Address	405 E MAIN ST, FAYETTE, OH 43521-9790
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E MAIN ST, FAYETTE, OH 43521-9790

Mortgage

Document Number	00386/3734
Date	Sep 11, 2025
Book Page	386/3734
Instrument	202500003950

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	3043 TOWNSGATE RD # 200, WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2045

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FULTON OH
Property Address	405 E MAIN ST, FAYETTE, OH 43521-9790
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00370/1336
Date	Dec 6, 2021
Book Page	370/1336
Instrument	202100006781

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

January 2019: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	FULTON OH
Recording Date	Jan 29, 2019
Property Address	405 E MAIN ST, FAYETTE, OH 43521-9790
Document Number	0352/0698
Book / Page	0352 / 0698
Instrument Date	Jan 28, 2019
Instrument	201900251236
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E MAIN ST, FAYETTE, OH 43521-9790

Mortgage

Document Number	201900251237
Date	Jan 29, 2019
Instrument	201900251237

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 405 E Main St was $2,655.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Fulton County
County Subdivision	Gorham Township
Municipality	Fayette Village
Unified School District	Fayette Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,655.00 (-0.04%)	$57,120 (-) Land $3,290 Building $53,830	$163,200 (-) Land $9,400 Building $153,800
2024	$2,656.00 (+6.67%)	$57,120 (-) Land $3,290 Building $53,830	$163,200 (-) Land $9,400 Building $153,800
2023	$2,490.00 (-5.79%)	$57,120 (+22.89%) Land $3,290 Building $53,830	$163,200 Land $9,400 Building $153,800
2022	$2,643.00	$46,480 Land $2,730 Building $43,750
2020			$132,800 Land $7,800 Building $125,000

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 405 E Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.

Source: FEMA National Flood Hazard Layer, effective August 26, 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	2 in force
Nearby Flood Claims	2 (2002–2026)
Most Recent Claim	Mar 2026 · river or lake flooding

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 405 E Main St 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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	FAYETTE VILLAGE serves 1,340 people · EPA ID OH2600412
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50

May also be available: AT&T.

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