422 Bernard Ave, Saint Henry, OH 45883 Property Records

Mercer County property record for 422 Bernard Ave, Saint Henry, OH 45883

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,350 sqft · built 1974
Lot Size	0.307 acres (13,395 sqft)
Owner	2 Individual Names on File
Last Sale	$285,833 (Oct 2023)
Tax Bill	$2,532 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-067600.0000`

Property Details

APN / Parcel Number

Primary APN	`23-067600.0000`
Alternative APN	`11-16-453-031`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	13,395 sqft (0.307 acres)
Lot Dimensions	141 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	422 BERNARD AVE
City	SAINT HENRY
State	OH
Zip	45883-9535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNARD SECOND ADDITION LOT#: 28
Legal Subdivision	BERNARD SECOND ADDITION
Legal Lot Number	28
Jurisdiction	MERCER OH
Township / Civil Division	GRANVILLE
Census Block Group	2
Census Block	2026
Census Tract	967900

Owner

422 Bernard Ave is owned and occupied by two individuals who bought it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	422 BERNARD AVE, SAINT HENRY, OH 45883-9535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

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
Mar 27, 2026	Deed of Trust, Mortgage · Line of Credit THE ST HENRY BANK
Oct 20, 2023	Survivorship Deed, Transfer · Conventional Mortgage THE ST HENRY BANK
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE ST HENRY BANK
Apr 26, 2019	Survivorship Deed, Transfer · Conventional Mortgage THE ST HENRY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2023 · Amount on File
Deed Sale	Oct 20, 2023 · Amount on File
Prior Sale	Aug 1, 2023 · Amount on File
Deed Document Number	20234131
Prior Transfer Date	Jul 31, 2023
Prior Transfer Doc	0000002913
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	422 BERNARD AVE, SAINT HENRY, OH 45883-9535
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 BERNARD AVE, SAINT HENRY, OH 45883-9535

Mortgage

Document Number	202600001350
Date	Mar 27, 2026
Instrument	202600001350

Lender

Name	THE ST HENRY BANK
Type	Bank
Address	SAINT HENRY, OH 45883

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 4, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MERCER OH
Recording Date	Oct 20, 2023
Property Address	422 BERNARD AVE, SAINT HENRY, OH 45883-9535
Document Number	202300004131
Map Reference	MB 10 PG 37
Instrument Date	Oct 16, 2023
Instrument	202300004131
Transaction Type	Transfer
Record Updated	Oct 31, 2023

Transaction

Amount	Amount on Record
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	422 BERNARD AVE, SAINT HENRY, OH 45883-9535

Mortgage

Document Number	202300004132
Date	Oct 20, 2023
Instrument	202300004132

Lender

Name	THE ST HENRY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER OH
Property Address	422 BERNARD AVE, SAINT HENRY, OH 45883-9535
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000001732
Date	Apr 9, 2020
Instrument	202000001732

Lender

Name	THE ST HENRY BANK
Type	Bank
Address	SAINT HENRY, OH 45883

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

April 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MERCER OH
Recording Date	Apr 26, 2019
Property Address	422 BERNARD AVE, SAINT HENRY, OH 45883-9535
Document Number	201900001686
Map Reference	MR 5 PG 480
Instrument Date	Apr 12, 2019
Instrument	201900001686
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 BERNARD AVE, SAINT HENRY, OH 45883-9535

Mortgage

Document Number	201900001687
Date	Apr 26, 2019
Instrument	201900001687

Lender

Name	THE ST HENRY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 422 Bernard Ave was $2,532.

Source: Mercer County assessment roll, as of February 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Mercer County
County Subdivision	Granville Township
Municipality	St. Henry Village
Unified School District	St. Henry Consolidated Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,532.00	$72,810 Land $13,900 Building $58,910
2023	$2,423.00 (+15.22%)	$72,810 (+29.44%) Land $13,900 Building $58,910	$208,000 Land $39,700 Building $168,300
2022	$2,103.00	$56,250 Land $8,820 Building $47,430
2020			$160,700 Land $25,200 Building $135,500

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

FEMA maps place 422 Bernard Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 16, 2012

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 422 Bernard Ave 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 98% of the US · lower than 90% 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	ST HENRY VILLAGE serves 2,596 people · EPA ID OH5401312
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber · Fixed Wireless	2,000 / 2,000
NKTELCO - Goldstar Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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