415 West St, Ada, OH 45810 Property Records

Hardin County property record for 415 West St, Ada, OH 45810

Property Summary

Property Type	Residential
Details	672 sqft · built 2001
Lot Size	0.181 acres (7,924 sqft)
Owner	Individual Name on File
Last Sale	$6,000 (Apr 1999)
Tax Bill	$213 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-130180.0000`

Property Details

APN / Parcel Number

Primary APN	`25-130180.0000`

Interior

Building Area	672 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	7,924 sqft (0.181 acres)
Lot Dimensions	203 ft deep x 58 ft wide
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	415 WEST ST
City	ADA
State	OH
Zip	45810-1058
Property Category	Residential
Property Type	Residential > Specialized > Other
Legal Description	IRWINS PT S PT OL 3 PT VAC ALLEY
Legal Subdivision	IRWINS
Jurisdiction	HARDIN OH
Township / Civil Division	LIBERTY
Census Block Group	4
Census Block	4007
Census Tract	402

Owner

415 West St, a residential property, is owned and occupied by an individual who acquired it in August 2019.

Source: Hardin County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	415 WEST ST, ADA, OH 45810-1058
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
Dec 22, 2021	Deed of Trust, Mortgage · Line of Credit THE UNION BANK CO
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE UNION BANK CO
Aug 16, 2019	Intrafamily Transfer, Transfer · Construction Mortgage HOME SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 1999 · Amount on File
Deed Sale	Apr 8, 1999 · Amount on File
Prior Sale	Mar 17, 1995
Last Transfer Date	Aug 15, 2019
Transfer Doc	00553/4520
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN OH
Property Address	415 WEST ST, ADA, OH 45810-1058
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00563/1831
Date	Dec 22, 2021
Book Page	563/1831
Instrument	202100004743

Lender

Name	THE UNION BANK CO
Type	Bank
Address	LIMA, OH 45804

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 30, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN OH
Property Address	415 WEST ST, ADA, OH 45810-1058
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	KILCO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	556/4732
Date	Jun 4, 2020
Book Page	556/4732
Instrument	202000001874

Lender

Name	THE UNION BANK CO
Type	Bank
Address	COLUMBUS GROVE, OH 45830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARDIN OH
Recording Date	Aug 16, 2019
Property Address	415 WEST ST, ADA, OH 45810-1058
Document Number	00553/4520
Book / Page	553 / 4520
Instrument Date	Aug 15, 2019
Instrument	201900002519
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	FIRST LI TITLE AGENCY INC, FIRST LIMA TITLE AGENCY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	336 W MONTFORD AVE, ADA, OH 45810-1035

Mortgage

Document Number	201900002520
Date	Aug 16, 2019
Instrument	201900002520

Lender

Name	HOME SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	369 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 415 West St was $213, up 2.9% from the year before.

Source: Hardin County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Ohio
Municipality	Ada Village
County	Hardin County
County Subdivision	Liberty Township
Unified School District	Ada Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$213.00 (+2.9%)	$5,230 (-) Land $2,490 Building $2,740
2024	$207.00 (-0.96%)	$5,230 (-) Land $2,490 Building $2,740
2023	$209.00 (-5.86%)	$5,230 (+7.84%) Land $2,490 Building $2,740	$14,940 Land $7,110 Building $7,830
2022	$222.00	$4,850 Land $2,420 Building $2,430
2020			$13,850 Land $6,910 Building $6,940

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

Flood

FEMA maps place 415 West St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 9, 2024

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 415 West St is low, with less than 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 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	ADA VILLAGE serves 5,334 people · EPA ID OH3300012
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: HDER Link, MetaLINK Technologies, Watch TV.

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