407 E Main St, Cardington, OH 43315 Property Records

Morrow County property record for 407 E Main St, Cardington, OH 43315

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,985 sqft · built 1966
Lot Size	0.89 acres (38,768 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Nov 1998)
Tax Bill	$5,150 (2025)
Deeds & Mortgages	Apr 2023 Refinance May 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`C09-018-00-035-03`

Property Details

APN / Parcel Number

Primary APN	`C09-018-00-035-03`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,985 sqft Living Area
Gross Area	4,937 sqft
1st Floor Area	3,970 sqft
Basement Area	1,985 sqft
Unfinished Basement	1,985 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	38,768 sqft (0.89 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	63 sqft
Patio Area	210 sqft
Canopy	210 sqft
Pole Barn	1,536 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	407 E MAIN ST
City	CARDINGTON
State	OH
Zip	43315-9788
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWP LOT 1983 ANNEXATION RTS:170623
Legal Lot Number	1983
Jurisdiction	MORROW OH
Township / Civil Division	CARDINGTON
Census Block Group	3
Census Block	3003
Census Tract	965300

Owner

Source: Morrow County records, as of August 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	407 E MAIN ST, CARDINGTON, OH 43315-9788
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FEDERAL SAVING & LOAN ASSOC
May 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 1998 · Amount on Record
Deed Sale	Nov 4, 1998 · Amount on Record
Prior Sale	Jan 1, 1990
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	407 E MAIN ST, CARDINGTON, OH 43315-9788
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001076/450
Date	Apr 4, 2023
Book Page	1076/450
Instrument	411897

Lender

Name	THIRD FEDERAL SAVING & LOAN ASSOC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	253 Months
Due	May 1, 2044

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORROW OH
Property Address	407 E MAIN ST, CARDINGTON, OH 43315-9788
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00001052/1
Date	May 20, 2022
Book Page	1052/1
Instrument	406905

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

Source: Morrow County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Morrow County
County Subdivision	Cardington Township
Municipality	Cardington Village
Unified School District	Cardington-Lincoln Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$234,500 (-) Land $25,000 Building $209,500
2025	$5,150.00 (+42.78%)	$82,080 (-) Land $8,750 Building $73,330
2023	$3,607.00 (+16.51%)	$82,080 (+30.72%) Land $8,750 Building $73,330	$234,500 (+30.71%) Land $25,000 Building $209,500
2022	$3,096.00	$62,790 Land $5,180 Building $57,610
2020			$179,400 Land $14,800 Building $164,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 11, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	DEL-CO WATER COMPANY, INC. private · serves 150,000 people · EPA ID OH2101412
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 83 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
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Brightspeed.

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