409 Clark St, Cambridge, OH 43725 Property Records

Guernsey County property record for 409 Clark St, Cambridge, OH 43725

Property Summary

Property Type	Duplex
Details	1 ba · 1,616 sqft
Lot Size	0.123 acres (5,360 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Nov 2020)
Tax Bill	$1,826 (2025)
Deeds & Mortgages	Nov 2020 Sale & Line of Credit Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-0006111.000`

Property Details

APN / Parcel Number

Primary APN	`06-0006111.000`
Alternative APN	`002236-3`

Interior

Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,616 sqft Living Area
1st Floor Area	844 sqft
Basement Area	772 sqft
Unfinished Basement	772 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Architectural Style	Duplex Single
Construction Type	Frame
Roof Material	Slate
Lot Area	5,360 sqft (0.123 acres)
Lot Dimensions	134 ft deep x 40 ft wide
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Porch	Slab
Porch Area	198 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	002236-3
Street Address	409 CLARK ST
City	CAMBRIDGE
State	OH
Zip	43725-1933
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	R3 T2 SA03-09 PT 12 SCHICK
Legal Range	03W
Legal Township	02N
Legal Section	03
Legal Subdivision	SCHICKS ADDITION
Legal Tract	2
Legal Lot Number	12
Jurisdiction	GUERNSEY OH
Township / Civil Division	CAMBRIDGE
Census Block Group	3
Census Block	3023
Census Tract	977500

Owner

409 Clark St, a duplex, is owned and occupied by an individual who bought it in November 2020.

Source: Guernsey County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	409 CLARK ST, CAMBRIDGE, OH 43725-1933
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
Nov 13, 2020	Quit Claim Deed, Transfer · Line of Credit FIRST OHIO HOME FINANCE INC
Jun 17, 2019	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2020 · Amount on File
Deed Sale	Nov 13, 2020 · Amount on File
Prior Sale	Jun 17, 2019 · Amount on File
Deed Document Number	20206237
Deed Book / Page	572 / 2202
Prior Transfer Date	Oct 9, 2020
Prior Transfer Doc	00572/2202
Record Updated	Sep 20, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GUERNSEY OH
Recording Date	Nov 13, 2020
Property Address	409 CLARK ST, CAMBRIDGE, OH 43725-1933
Document Number	00572/2202
Book / Page	572 / 2202
Instrument Date	Oct 9, 2020
Instrument	202000006237
Transaction Type	Transfer
Record Updated	Apr 14, 2022
Title Company	ELITA LAND TITLE, ELITE LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 CLARK ST, CAMBRIDGE, OH 43725-1933

Mortgage

Document Number	202000006238
Date	Nov 13, 2020
Instrument	202000006238

Lender

Name	FIRST OHIO HOME FINANCE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	Jun 17, 2019
Property Address	409 CLARK ST, CAMBRIDGE, OH 43725-1933
Document Number	00563/2689
Book / Page	563 / 2689
Instrument Date	Jun 7, 2019
Instrument	201900003476
Transaction Type	Transfer
Record Updated	Apr 14, 2022
Title Company	ELITA LAND TITLE, ELITE LAND TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	8241 DOW CIR, STRONGSVILLE, OH 44136-1761

Mortgage

Document Number	201900003477
Date	Jun 17, 2019
Instrument	201900003477

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 409 Clark St was $1,826, down 1.3% from the year before.

Source: Guernsey County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Guernsey County
County Subdivision	Cambridge Township
Municipality	Cambridge City
Unified School District	Cambridge City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,826.00 (-1.3%)	$36,280 (-) Land $6,380 Building $29,900
2024	$1,850.00 (+11.51%)	$36,280 (+17.14%) Land $6,380 Building $29,900	$103,660 Land $18,230 Building $85,430
2023	$1,659.00 (+5.74%)	$30,972 (-0.03%) Land $5,446 Building $25,526
2022	$1,569.00	$30,980 Land $5,450 Building $25,530	$88,510 (+0.02%) Land $15,580 Building $72,930
2021			$88,490 Land $15,560 Building $72,930

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

Flood

FEMA maps place 409 Clark St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective August 16, 2011 · 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 Claims	1 (1981)
Most Recent Claim	Jun 1981 · rainfall accumulation

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 409 Clark St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	CITY OF CAMBRIDGE serves 10,520 people · EPA ID OH3000111
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2019 Total trihalomethanes resolved · Jan 2017
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 726 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Smart Way Communications.

Nearby Properties on Clark St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures