416 Spring St, Lancaster, OH 43130 Property Records

Fairfield County property record for 416 Spring St, Lancaster, OH 43130

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 1963
Lot Size	0.148 acres (6,482 sqft)
Owner	Individual Name on Record
Last Sale	$133,000 (Apr 2020)
Tax Bill	$1,806 (2023)
Deeds & Mortgages	Jan 2026 Line of Credit Nov 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`053-62361.00`

Property Details

APN / Parcel Number

Primary APN	`053-62361.00`
Alternative APN	`0624 00033`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	273 sqft
Finished Basement	273 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	6,482 sqft (0.148 acres)
Lot Dimensions	108 ft deep x 60 ft wide
Terrain	Above Road/Slope
Garage Type	Basement
Parking Spaces	1 Parking Space
Patio Area	240 sqft
Poultry House	28 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Oil
Heating Fuel	Gas

Location & Zoning

Account Number	0624 00033
Street Address	416 SPRING ST
City	LANCASTER
State	OH
Zip	43130-4745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAHERS 2ND ADD LOT 94
Legal Subdivision	MAHERS 2ND ADD
Legal Lot Number	94
Jurisdiction	FAIRFIELD OH
Township / Civil Division	LANCASTER CITY
Census Block Group	3
Census Block	3002
Census Tract	32300

Owner

Source: Fairfield County records, as of March 11, 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
Mailing Address	416 SPRING ST, LANCASTER, OH 43130-4745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2026	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Apr 20, 2020	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Sep 20, 2019	Warranty Deed, Transfer · Line of Credit FAIRFIELD FED'L S&L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2020 · Amount on Record
Deed Sale	Apr 20, 2020 · Amount on Record
Prior Sale	Sep 20, 2019 · Amount on Record
Deed Document Number	202000007490
Deed Book / Page	1820 / 4590
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	416 SPRING ST, LANCASTER, OH 43130-4745
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 SPRING ST, LANCASTER, OH 43130-4745

Mortgage

Document Number	0000000080
Date	Jan 2, 2026
Instrument	202600000080

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	8805 GOVERNORS HILL DR, CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Dec 19, 2035

Interest

Change Frequency	Monthly

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	416 SPRING ST, LANCASTER, OH 43130-4745
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 SPRING ST, LANCASTER, OH 43130-4745

Mortgage

Document Number	0000017342
Date	Nov 6, 2023
Instrument	202300017342

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Oct 2, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	416 SPRING ST, LANCASTER, OH 43130-4745
Transaction Type	Mortgage
Record Updated	Nov 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021126
Date	Oct 19, 2022
Instrument	202200021126

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 3, 2032

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Apr 20, 2020
Property Address	416 SPRING ST, LANCASTER, OH 43130-4745
Document Number	0000007490
Book / Page	1820 / 4590
Map Reference	MB 7 PG 27
Instrument Date	Apr 3, 2020
Instrument	202000007490
Transaction Type	Transfer
Record Updated	Feb 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Address	8534 E KEMPER RD, CINCINNATI, OH 45249-3701

Mortgage

Document Number	0000007491
Date	Apr 20, 2020
Instrument	202000007491

Lender

Name	UNION SAVINGS BANK
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Sep 20, 2019
Property Address	416 SPRING ST, LANCASTER, OH 43130-4745
Document Number	0000016865
Book / Page	001802 / 002459
Instrument Date	Sep 20, 2019
Instrument	16865
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	HOCKING VALLEY TITLE AGENCY, HOCKING VALLEY TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 SPRING ST LANCASTER OH 431304745, LANCASTER, OH 43130-4745

Mortgage

Document Number	16866
Date	Sep 20, 2019
Book Page	001802/002461
Instrument	16866

Lender

Name	FAIRFIELD FED'L S&L
Type	Federal Savings Bank
Address	111 E MAIN ST, LANCASTER, OH 43130-3713

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Fairfield County assessment roll, as of March 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Fairfield County
Municipality	Lancaster City
Unified School District	Lancaster City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$69,370 (+39.66%) Land $13,720 Building $55,650	$198,200 (+39.67%) Land $39,190 Building $159,010
2023	$1,806.00	$49,670 (-) Land $7,580 Building $42,090
2022		$49,670 Land $7,580 Building $42,090	$141,910 Land $21,660 Building $120,250

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 December 11, 2025 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Jan 2000 · 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LANCASTER CITY PWS serves 40,400 people · EPA ID OH2301012
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 416 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50

May also be available: T-Mobile, Verizon.

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