431 E 4th St, Ashland, OH 44805 Property Records

Ashland County property record for 431 E 4th St, Ashland, OH 44805

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 996 sqft · built 1901
Lot Size	0.075 acres (3,271 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Jul 2025)
Tax Bill	$624 (2025)
Deeds & Mortgages	Feb 2005 Mortgage Jul 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P43-028-0-0123-00`

Property Details

APN / Parcel Number

Primary APN	`P43-028-0-0123-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	996 sqft Living Area
1st Floor Area	660 sqft
2nd Floor Area	336 sqft
Upper Floors Area	336 sqft
Attic Area	336 sqft
Basement Area	660 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	3,271 sqft (0.075 acres)
Lot Dimensions	109 ft deep x 30 ft wide
Porch	Porch
Porch Area	88 sqft
Canopy	24 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	431 E 4TH ST
City	ASHLAND
State	OH
Zip	44805-2502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	431 E 4TH ST R=28 LOT 93-F
Legal Lot Number	93-F
Jurisdiction	ASHLAND OH
Township / Civil Division	ASHLAND
Census Block Group	4
Census Block	4027
Census Tract	970400

Owner

Source: Ashland County records, as of March 5, 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
Co-owner	Co-owner on Record
Mailing Address	431 E 4TH ST, ASHLAND, OH 44805-2502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2005	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jul 18, 2025	Fiduciary Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 1, 2023	Warranty Deed, Transfer STONEMAN TITLE AGENCY, STONEGATE TITLE AGENCY DIANE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2025 · Amount on Record
Deed Sale	Jul 18, 2025 · Amount on Record
Prior Sale	Aug 1, 2023 · Amount on Record
Deed Document Number	539
Deed Book / Page	998 / 5315
Record Updated	Jun 8, 2026

February 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND OH
Property Address	431 E 4TH ST, ASHLAND, OH 44805-2502
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000442/477
Date	Feb 18, 2005
Book Page	442/477
Instrument	200500001306

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Dec 1, 2029

July 2025: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	ASHLAND OH
Recording Date	Jul 18, 2025
Property Address	431 E 4TH ST, ASHLAND, OH 44805-2502
Document Number	00998/5315
Book / Page	998 / 5315
Instrument Date	Jul 3, 2025
Instrument	202500003425
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 E 4TH ST, ASHLAND, OH 44805-2502

Mortgage

Document Number	202500003426
Date	Jul 18, 2025
Instrument	202500003426

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Mortgage

Document Number	00998/5335
Date	Jul 18, 2025
Book Page	998/5335
Instrument	202500003427

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	COLUMBUS, OH 43085

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHLAND OH
Recording Date	Aug 1, 2023
Property Address	431 E 4TH ST, ASHLAND, OH 44805-2502
Document Number	00987/1179
Book / Page	987 / 1179
Instrument Date	Jul 19, 2023
Instrument	202300003499
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	STONEMAN TITLE AGENCY, STONEGATE TITLE AGENCY DIANE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

Tax Assessment & Valuation

Source: Ashland County assessment roll, as of August 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$624.00 (+2.63%)	$17,590 (-) Land $1,650 Building $15,940
2023	$608.00 (-13.14%)	$17,590 (+10.01%) Land $1,650 Building $15,940	$50,260 (+1%) Land $4,710 Building $45,550
2022	$700.00	$15,990 Land $1,500 Building $14,490
2020			$45,690 Land $4,280 Building $41,410

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2009

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	ASHLAND CITY serves 20,648 people · EPA ID OH0300112
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 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	2 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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Armstrong Cable · Fiber in parts of the area	1,000 / 20
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Spectrum.

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