425 Scioto St, Urbana, OH 43078 Property Records

Champaign County property record for 425 Scioto St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	4 bd · 7.5 ba · 4,780 sqft · built 1900
Lot Size	1.16 acres (50,820 sqft)
Owner	Individual Name on Record
Last Sale	$146,000 (Jan 2014)
Tax Bill	$5,529 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`023393-2`

Property Details

APN / Parcel Number

Primary APN	`023393-2`
Alternative APN	`K48-25-00-02-13-001-00`

Interior

Bedrooms	4 Beds
Full Baths	7.5 Baths
Half Baths	5 Half Baths
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	4,780 sqft Living Area
Gross Area	4,984 sqft
1st Floor Area	2,598 sqft
Upper Floors Area	1,686 sqft
Basement Area	2,205 sqft
Unfinished Basement	2,205 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	50,820 sqft (1.16 acres)
Lot Dimensions	385 ft deep x 132 ft wide
Garage Type	Detached
Garage Area	986 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	644 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	023393-2
Street Address	425 SCIOTO ST
City	URBANA
State	OH
Zip	43078-2130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 00-00-00 __ BERRY HEIRS SUBLOT 3
Legal Subdivision	BERRY HEIRS SUB
Legal Lot Number	3
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	2
Census Block	2000
Census Tract	10600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Scioto Street Historic District listed 1984 · 70 contributing resources · NRIS 84002908

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Champaign County records, as of July 14, 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	224 E WATER ST, URBANA, OH 43078-2167
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 6, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2014 · Amount on Record
Deed Sale	Jan 21, 2014 · Amount on Record
Prior Sale	Nov 17, 2005 · Amount on Record
Deed Document Number	2014279
Deed Book / Page	521 / 1210
Prior Transfer Date	Nov 15, 2005
Prior Transfer Doc	447/1579
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	425 SCIOTO ST, URBANA, OH 43078-2130
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 SCIOTO ST, URBANA, OH 43078-2130

Mortgage

Document Number	00601/3568
Date	Aug 7, 2025
Book Page	601/3568
Instrument	202500002980

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	425 SCIOTO ST, URBANA, OH 43078-2130
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 SCIOTO ST, URBANA, OH 43078-2130

Mortgage

Document Number	0000593/86
Date	Nov 20, 2023
Book Page	593/86
Instrument	202300004406

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	425 SCIOTO ST, URBANA, OH 43078-2130
Transaction Type	Mortgage
Record Updated	Feb 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 SCIOTO ST, URBANA, OH 43078-2130

Mortgage

Document Number	00588/5682
Date	Jan 6, 2023
Book Page	588/5682
Instrument	202300000080

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	425 SCIOTO ST, URBANA, OH 43078-2130
Transaction Type	Mortgage
Record Updated	Mar 14, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00583/5239
Date	Feb 22, 2022
Book Page	583/5239
Instrument	202200000980

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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	$5,529.00 (-0.77%)	$133,090 (+31.11%) Land $19,450 Building $113,640	$380,270 (+31.12%) Land $55,580 Building $324,690
2024	$5,572.00 (-5.93%) Homeowner's exemption	$101,510 (-) Land $15,540 Building $85,970
2023	$5,923.00 (+2.46%) Homeowner's exemption	$101,510 (+3.89%) Land $15,540 Building $85,970	$290,020 (-) Land $44,400 Building $245,620
2022	$5,781.00 Homeowner's exemption	$97,710 Land $15,540 Building $82,170	$290,020 Land $44,400 Building $245,620

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

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	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 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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