408 E Water St, Prospect, OH 43342 Property Records

Marion County property record for 408 E Water St, Prospect, OH 43342

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,904 sqft · built 1935
Lot Size	0.181 acres (7,901 sqft)
Owner	Company Name on Record
Tax Bill	$3,103 (2025)
Deeds & Mortgages	May 2022 Line of Credit Oct 2022 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`27-0020013.700`

Property Details

APN / Parcel Number

Primary APN	`27-0020013.700`
Alternative APN	`030007100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,904 sqft Living Area
Gross Area	3,808 sqft
1st Floor Area	952 sqft
Upper Floors Area	952 sqft
Basement Area	952 sqft
Flooring	Carpet
Interior Walls	Block
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Construction Type	Brick
Roof Material	Slate
Lot Area	7,901 sqft (0.181 acres)
Lot Width	50.1 ft Width
Garage Area	273 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	408 E WATER ST
City	PROSPECT
State	OH
Zip	43342-9564
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAST & DAVIS LOT 207 PG 9 101 2.00 137.00
Legal Subdivision	GAST & DAVIS
Legal Lot Number	207
Jurisdiction	MARION OH
Township / Civil Division	PROSPECT
Census Block Group	1
Census Block	1029
Census Tract	10500

Owner

Source: Marion County records, as of February 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	408 E WATER ST, PROSPECT, OH 43342-9564
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 25, 2022	Intrafamily Transfer, Transfer CAPITAL CITY TITLE AGENCY LLC, CAPITAL CITY TITLE AGCY LLC
Nov 5, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 1999
Deed Sale	Aug 13, 1999
Deed Document Number	1999814
Last Transfer Date	Sep 19, 2022
Transfer Doc	0016380175
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION OH
Property Address	408 W WATER ST, PROSPECT, OH 43342
Transaction Type	Mortgage
Record Updated	Jun 20, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES I

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 E WATER ST, PROSPECT, OH 43342-9564

Mortgage

Document Number	0016200287
Date	May 17, 2022
Book Page	1620/287
Instrument	2022-03682

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARION OH
Recording Date	Oct 25, 2022
Property Address	408 W WATER ST, PROSPECT, OH 43342
Document Number	0016380175
Book / Page	1638 / 175
Instrument Date	Sep 19, 2022
Instrument	2022-07410
Transaction Type	Transfer
Record Updated	Jun 20, 2023
Title Company	CAPITAL CITY TITLE AGENCY LLC, CAPITAL CITY TITLE AGCY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	408 W WATER ST, PROSPECT, OH 43342

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARION OH
Recording Date	Nov 5, 2021
Property Address	408 W WATER ST, PROSPECT, OH 43342
Document Number	0015930393
Book / Page	1593 / 393
Instrument Date	Nov 2, 2021
Instrument	2021-08980
Transaction Type	Transfer
Record Updated	Jun 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 E WATER ST, PROSPECT, OH 43342-9564

Tax Assessment & Valuation

Source: Marion County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Marion County
County Subdivision	Prospect Township
Municipality	Prospect Village
Unified School District	Elgin Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,103.00 (+14.33%)	$77,430 (+37.29%) Land $9,290 Building $68,140	$221,230 (+37.29%) Land $26,540 Building $194,690
2024	$2,714.00 (+0.93%)	$56,400 (-) Land $9,740 Building $46,660
2023	$2,689.00 (-0.3%)	$56,400 (-) Land $9,740 Building $46,660
2022	$2,697.00	$56,400 Land $9,740 Building $46,660	$161,140 Land $27,830 Building $133,310

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 October 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Nearby Flood Policies	44 in force
Nearby Flood Claims	82 (1978–2025)
Claims Outside the SFHA	7 of 82
Most Recent Claim	Apr 2025 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 12 claims Severe Storms And Flooding, Aug 1995 · 17 claims Severe Storms & Flooding, Jul 1987 · 7 claims

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

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	AQUA OHIO - MARION private · serves 47,102 people · EPA ID OH5100414
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	4 ppb (2021–2023) 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 328 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
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Bresco Broadband, Verizon.

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