405 S Gormley St, Forest, OH 45843 Property Records

Hardin County property record for 405 S Gormley St, Forest, OH 45843

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,280 sqft · built 1982
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Oct 2021)
Tax Bill	$2,105 (2025)
Deeds & Mortgages	May 2020 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-100141.0000`

Property Details

APN / Parcel Number

Primary APN	`23-100141.0000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,280 sqft Living Area
1st Floor Area	1,560 sqft
Upper Floors Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Shingle
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	405 S GORMLEY ST
City	FOREST
State	OH
Zip	45843-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK 25 & PT 10-11
Legal Subdivision	ORIGINAL PLAT OF SAID VILLAGE OF FOREST
Legal Block	25
Jurisdiction	HARDIN OH
Township / Civil Division	JACKSON
Census Block Group	3
Census Block	3044
Census Tract	100

Owner

405 S Gormley St is owned and occupied by an individual who bought it in October 2021.

Source: Hardin County records, as of March 31, 2026

Owner of Record	Individual Name on File
Mailing Address	405 S GORMLEY ST, FOREST, OH 45843-1327
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
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 15, 2021	Warranty Deed, Transfer · Conventional Mortgage MID-AMERICAN MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2021 · Amount on File
Deed Sale	Oct 15, 2021 · Amount on File
Prior Sale	Mar 16, 2006 · Amount on File
Deed Document Number	20213843
Deed Book / Page	562 / 3153
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN OH
Property Address	405 S GORMLEY ST, FOREST, OH 45843-1327
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00556/2742
Date	May 13, 2020
Book Page	556/2742
Instrument	202000001531

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDIN OH
Recording Date	Oct 15, 2021
Property Address	405 S GORMLEY ST, FOREST, OH 45843-1327
Document Number	00562/3153
Book / Page	562 / 3153
Instrument Date	Sep 8, 2021
Instrument	202100003843
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	AMERICAN LEGAL TITLE, AMERICAN LEGACY TITLE

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
Relationship	Right of Survivorship
Address	405 S GORMLEY ST, FOREST, OH 45843-1327

Mortgage

Document Number	202100003844
Date	Oct 15, 2021
Instrument	202100003844

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 405 S Gormley St was $2,105, down 0.1% from the year before.

Source: Hardin County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hardin County
County Subdivision	Jackson Township
Municipality	Forest Village
Unified School District	Riverdale Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,105.00 (-0.14%)	$64,960 (-) Land $2,100 Building $62,860
2024	$2,108.00 (+0.81%)	$64,960 (-) Land $2,100 Building $62,860
2023	$2,091.00 (+38.02%)	$64,960 (+59.14%) Land $2,100 Building $62,860	$185,600 Land $6,000 Building $179,600
2022	$1,515.00	$40,820 Land $1,930 Building $38,890
2020			$116,620 Land $5,510 Building $111,110

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 S Gormley St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 9, 2024

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 405 S Gormley 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	FOREST VILLAGE serves 1,354 people · EPA ID OH3300312
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) 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	5 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 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
HDER Link Fixed Wireless	500 / 500
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Watch TV.

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