409 E Union Ave, West Lafayette, OH 43845 Property Records

Coshocton County property record for 409 E Union Ave, West Lafayette, OH 43845

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,104 sqft · built 1900
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$76,900 (May 2018)
Tax Bill	$1,320 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`002349-5`

Property Details

APN / Parcel Number

Primary APN	`002349-5`
Alternative APN	`0200000080900`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,104 sqft Living Area
1st Floor Area	600 sqft
Upper Floors Area	504 sqft
Basement Area	252 sqft
Unfinished Basement	252 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	002349-5
Street Address	409 E UNION AVE
City	WEST LAFAYETTE
State	OH
Zip	43845-1251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN-LOT 334 50 X 150 07 DOC 4214
Legal Subdivision	CITIZENS ADDITION
Legal Lot Number	334
Jurisdiction	COSHOCTON OH
Township / Civil Division	LAFAYETTE
Census Block Group	3
Census Block	3016
Census Tract	961800

Owner

409 E Union Ave is owned and occupied by an individual who bought it in May 2018.

Source: Coshocton County records, as of April 17, 2026

Owner of Record	Individual Name on File
Mailing Address	409 E UNION AVE, WEST LAFAYETTE, OH 43845-1251
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 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 1, 2018	Warranty Deed, Transfer · Conventional Mortgage POLARIS HOME FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2018 · Amount on File
Deed Sale	May 1, 2018 · Amount on File
Prior Sale	Aug 26, 2004 · Amount on File
Deed Document Number	20181666
Deed Book / Page	759 / 445
Prior Transfer Date	Mar 24, 1992
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COSHOCTON OH
Property Address	409 E UNION AVE, WEST LAFAYETTE, OH 43845-1251
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	787/1928
Date	Sep 30, 2021
Book Page	787/1928
Instrument	202100004826

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COSHOCTON OH
Recording Date	May 1, 2018
Property Address	409 E UNION AVE, WEST LAFAYETTE, OH 43845-1251
Document Number	000759/445
Book / Page	759 / 445
Map Reference	MB 2 PG 19
Instrument Date	Apr 26, 2018
Instrument	201800001666
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE COSHOCTON

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E UNION SEST, WEST LAFAYETTE, OH 43845-1251

Mortgage

Document Number	201800001667
Date	May 1, 2018
Instrument	201800001667

Lender

Name	POLARIS HOME FUNDING CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 409 E Union Ave was $1,320 with a homeowner's exemption.

Source: Coshocton County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Coshocton County
County Subdivision	Lafayette Township
Municipality	West Lafayette Village
Unified School District	Ridgewood Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,320.00	$32,000 Land $6,010 Building $25,990	$91,430 Land $17,180 Building $74,250
2023	$982.00 (-2.58%) Homeowner's exemption	$23,867 (-) Land $4,022 Building $19,845
2022	$1,008.00 Homeowner's exemption	$23,867 Land $4,022 Building $19,845
2021			$68,190 Land $11,490 Building $56,700

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 409 E Union Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 2, 2010

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

Wildfire risk around 409 E Union Ave 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	EDGEWOOD TERRACE private · serves 87 people · EPA ID OH1600212
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 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	4 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 532 locations within half a mile, as of December 31, 2025

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

May also be available: altafiber Network Solutions, Smart Way Communications.

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