409 E Water St, Prospect, OH 43342 Property Records

Marion County property record for 409 E Water St, Prospect, OH 43342

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,872 sqft · built 1884
Lot Size	0.155 acres (6,762 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Oct 2018)
Tax Bill	$2,513 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-001001.9400`

Property Details

APN / Parcel Number

Primary APN	`27-001001.9400`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	1,136 sqft
2nd Floor Area	736 sqft
Upper Floors Area	736 sqft
Flooring	Carpet
Interior Walls	Block
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1884
Construction Type	Frame
Roof Material	Shingle
Lot Area	6,762 sqft
Garage Type	Detached
Garage Area	800 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	409 E WATER ST
City	PROSPECT
State	OH
Zip	43342-9564
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAST & DAVIS LOT 245 PG 14 101 1.00 194.00
Legal Subdivision	GAST & DAVIS ADD
Legal Lot Number	245
Jurisdiction	MARION OH
Township / Civil Division	PROSPECT
Census Block Group	1
Census Block	1036
Census Tract	10500

Owner

Source: Marion County records, as of February 26, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	409 E WATER ST, PROSPECT, OH 43342-9564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 2, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2018 · Amount on Record
Deed Sale	Oct 2, 2018 · Amount on Record
Prior Sale	Nov 7, 2005
Deed Document Number	0014490605
Deed Book / Page	1449 / 605
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION OH
Property Address	409 E WATER ST, PROSPECT, OH 43342-9564
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0016260833
Date	Jul 15, 2022
Book Page	1626/833
Instrument	2022-05057

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION OH
Recording Date	Oct 2, 2018
Property Address	409 E WATER ST, PROSPECT, OH 43342-9564
Document Number	0014490605
Book / Page	1449 / 605
Instrument Date	Sep 28, 2018
Instrument	2018-07001
Transaction Type	Transfer
Record Updated	May 9, 2022

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	409 E WATER ST, PROSPECT, OH 43342-9564

Mortgage

Document Number	0201807002
Date	Oct 2, 2018
Instrument	2018-07002

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: Marion County assessment roll, as of August 1, 2025

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	$2,513.00 (+20.24%)	$61,250 (+44.59%) Land $8,350 Building $52,900	$175,000 (+44.59%) Land $23,860 Building $151,140
2024	$2,090.00 (+0.92%)	$42,360 (-) Land $8,750 Building $33,610
2023	$2,071.00 (-0.34%)	$42,360 (-) Land $8,750 Building $33,610
2022	$2,078.00	$42,360 Land $8,750 Building $33,610	$121,030 Land $25,000 Building $96,030

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

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 minimal risk
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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