421 E Ward St, Urbana, OH 43078 Property Records

Champaign County property record for 421 E Ward St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,009 sqft · built 1900
Lot Size	0.146 acres (6,400 sqft)
Owner	Company Name on Record
Last Sale	$100,000 (Nov 2020)
Tax Bill	$1,029 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Apr 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`024559-3`

Property Details

APN / Parcel Number

Primary APN	`024559-3`
Alternative APN	`K48-25-00-03-11-079-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,009 sqft Living Area
Gross Area	1,066 sqft
1st Floor Area	780 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Architectural Style	Other
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	6,400 sqft (0.146 acres)
Lot Dimensions	160 ft deep x 40 ft wide

Exterior Amenities

Porch	Slab
Porch Area	91 sqft
Deck Area	Deck Area
Patio Area	28 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	024559-3
Street Address	421 E WARD ST
City	URBANA
State	OH
Zip	43078-1722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 00-00-00 __ T M GWYNNE ADDNLOT 69
Legal Subdivision	T M GWYNNE ADDN
Legal Lot Number	69
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	4
Census Block	4015
Census Tract	10500

Owner

Source: Champaign County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	421 E WARD ST, URBANA, OH 43078-1722
Owner Type	Company
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2020	Survivorship Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Apr 24, 2020	Warranty Deed, Transfer OHIO REAL ESTATE TITLE, OHIO REAL ESTATE TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2020 · Amount on Record
Deed Sale	Nov 5, 2020 · Amount on Record
Prior Sale	Apr 24, 2020 · Amount on Record
Deed Document Number	20205184
Deed Book / Page	574 / 2250
Prior Transfer Date	May 5, 1995
Record Updated	Oct 29, 2026

November 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Nov 5, 2020
Property Address	421 E WARD ST, URBANA, OH 43078-1722
Document Number	574/2250
Book / Page	574 / 2250
Map Reference	MB A PG 113
Instrument Date	Oct 30, 2020
Instrument	202000005184
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	OHIO REAL ESTATE TITLE, OHIO REAL ESTATE TITLE INC

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
Relationship	Right of Survivorship
Address	421 E WARD ST, URBANA, OH 43078-1722

Mortgage

Document Number	202000005185
Date	Nov 5, 2020
Instrument	202000005185

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Apr 24, 2020
Property Address	421 E WARD ST, URBANA, OH 43078-1722
Document Number	570/5433
Book / Page	570 / 5433
Map Reference	MB A PG 113
Instrument Date	Apr 16, 2020
Instrument	202000001711
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	OHIO REAL ESTATE TITLE, OHIO REAL ESTATE TITLE INC

Transaction

Amount	Amount Recorded
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	810 CHILDRENS HOME RD, URBANA, OH 43078-9734

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of March 26, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Champaign County
County Subdivision	Urbana Township
Municipality	Urbana City
Unified School District	Urbana City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,029.00 (-0.87%)	$29,880 (+40.94%) Land $5,590 Building $24,290	$85,370 (+40.99%) Land $15,960 Building $69,410
2024	$1,038.00 (+14.82%)	$21,200 (-) Land $5,110 Building $16,090
2023	$904.00 (-0.55%)	$21,200 (-) Land $5,110 Building $16,090	$60,550 (-) Land $14,590 Building $45,960
2022	$909.00	$21,200 Land $5,110 Building $16,090	$60,550 Land $14,590 Building $45,960

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 September 12, 2018

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

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	URBANA CITY PWS serves 11,428 people · EPA ID OH1101212
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, 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 553 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
Watch TV Fixed Wireless	400 / 40

May also be available: CT Communications Network, Verizon.

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