Champaign County property record for 421 E Light St, Urbana, OH 43078
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,880 sqft · built 1900 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,835 (2025) |
| Deeds & Mortgages | Aug 2009 Line of Credit Mar 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 025026-1 |
| Primary APN | 025026-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,880 sqft Living Area |
| Gross Area | 2,288 sqft |
| 1st Floor Area | 1,440 sqft |
| Upper Floors Area | 1,440 sqft |
| Basement Area | 1,072 sqft |
| Unfinished Basement | 480 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 10,000 sqft (0.229 acres) |
| Lot Dimensions | 200 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 252 sqft |
| Deck Area | 192 sqft |
| Patio Area | 648 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 025026-1 |
|---|---|
| Street Address | 421 E LIGHT ST |
| City | URBANA |
| State | OH |
| Zip | 43078-1225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RTS 00-00-00 __ P B ROSS ADDNW PT LOT 11 |
| Legal Subdivision | P B ROSS ADDN |
| Legal Lot Number | 11 |
| Jurisdiction | CHAMPAIGN OH |
| Township / Civil Division | URBANA |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 10500 |
Source: Champaign County records · APN 025026-1
Assessment roll updated March 26, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 421 E LIGHT ST, URBANA, OH 43078-1225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Aug 24, 2009 | Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANKING CO |
| Mar 08, 2022 | Transfer on Death Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Mar 08, 2012 |
| Transfer Doc | 504/0662 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Property Address | 421 E LIGHT ST, URBANA, OH 43078-1225 |
| Transaction Type | Mortgage |
| Record Updated | Mar 06, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN ELS |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00482/1712 |
|---|---|
| Date | Aug 24, 2009 |
| Book Page | 482/1712 |
| Instrument | 200900004021 |
| Name | THE CITIZENS BANKING CO |
|---|---|
| Type | Bank |
| Address | SANDUSKY, OH 44870 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Recording Date | Mar 08, 2022 |
| Property Address | 421 E LIGHT ST, URBANA, OH 43078-1225 |
| Document Number | 000584/570 |
| Book / Page | 584 / 570 |
| Map Reference | MB A PG 142 |
| Instrument Date | Feb 17, 2021 |
| Instrument | 202200001240 |
| Transaction Type | Transfer |
| Record Updated | Mar 06, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 421 E LIGHT ST, URBANA, OH 43078-1225 |
Source: Champaign County records · Assessment roll updated March 26, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Champaign County |
| County Subdivision | Urbana Township |
| Municipality | Urbana City |
| Unified School District | Urbana City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,835.00 (+39.05%) | $113,940 (+69.93%) Land $8,260 Building $105,680 | $325,530 (+69.94%) Land $23,600 Building $301,930 |
| 2024 | $2,758.00 (-1.5%) Homeowner's exemption | $67,050 (-) Land $5,230 Building $61,820 | |
| 2023 | $2,800.00 (-0.5%) Homeowner's exemption | $67,050 (-) Land $5,230 Building $61,820 | $191,560 (-) Land $14,940 Building $176,620 |
| 2022 | $2,814.00 Homeowner's exemption | $67,050 Land $5,230 Building $61,820 | $191,560 Land $14,940 Building $176,620 |
Source: FEMA National Flood Hazard Layer as of September 12, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 8 in force |
| Nearby Flood Claims | 6 (1979–2008) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jun 2008 · rainfall accumulation |
| Wildfire Risk | Low lower than 96% of the US · lower than 81% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Benton Ridge Telephone Company Fixed Wireless | 400 / 40 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: The Champaign Telephone Company, Verizon.
Based on FCC filings for 447 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | URBANA CITY PWS serves 11,428 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 6 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 7 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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