433 N 3rd St, Cambridge, OH 43725 Property Records

Guernsey County property record for 433 N 3rd St, Cambridge, OH 43725

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,512 sqft
Lot Size	0.157 acres (6,840 sqft)
Owner	Individual Name on Record
Last Sale	$14,000 (Aug 2009)
Tax Bill	$599 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-0005463.000`

Property Details

APN / Parcel Number

Primary APN	`06-0005463.000`
Alternative APN	`004062-8`

Interior

Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,512 sqft Living Area
1st Floor Area	756 sqft
Basement Area	756 sqft
Unfinished Basement	378 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Construction Type	Frame
Roof Material	Slate
Lot Area	6,840 sqft (0.157 acres)
Lot Dimensions	120 ft deep x 57 ft wide
Porch	Slab
Porch Area	217 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	004062-8
Street Address	433 N 3RD ST
City	CAMBRIDGE
State	OH
Zip	43725-1364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R3 T2 SA04-04 PT OL 2 LOFLAND 3
Legal Range	03W
Legal Township	02N
Legal Section	04
Legal Subdivision	LOFLAND
Legal Tract	2
Legal Lot Number	OL2
Jurisdiction	GUERNSEY OH
Township / Civil Division	CAMBRIDGE
Census Block Group	3
Census Block	3041
Census Tract	977400

Owner

Source: Guernsey County records, as of July 21, 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	433 N 3RD ST, CAMBRIDGE, OH 43725-1364
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2009 · Amount on Record
Deed Sale	Aug 10, 2009 · Amount on Record
Deed Document Number	20094088
Deed Book / Page	465 / 2079
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	May 19, 2022
Property Address	433 N 3RD ST, CAMBRIDGE, OH 43725-1364
Document Number	00582/5851
Book / Page	582 / 5851
Instrument Date	May 13, 2022
Instrument	202200002968
Transaction Type	Transfer
Record Updated	Jun 7, 2022
Title Company	NOT AVAILABLE, ABC TITLE

Transaction

Amount	Amount Recorded
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
Address	113 N 5TH ST, ZANESVILLE, OH 43701-3533

Mortgage

Document Number	202200002969
Date	May 19, 2022
Instrument	202200002969

Lender

Name	THE COMMUNITY BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Margin	3
Max Rate	10.5%

Tax Assessment & Valuation

Source: Guernsey County assessment roll, as of March 3, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$599.00 (-1.32%) Homeowner's exemption	$12,169 (-) Land $2,429 Building $9,740
2024	$607.00 (+11.58%) Homeowner's exemption	$12,169 (+17.14%) Land $2,429 Building $9,740	$34,770 (+17.15%) Land $6,940 Building $27,830
2023	$544.00 (+3.82%) Homeowner's exemption	$10,388 (-0.02%) Land $2,076 Building $8,312
2022	$524.00	$10,390 Land $2,070 Building $8,320	$29,680 (-) Land $5,920 Building $23,760
2021			$29,680 Land $5,930 Building $23,750

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 August 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 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	7 in force
Nearby Flood Claims	28 (1979–2026)
Claims Outside the SFHA	3 of 28
Most Recent Claim	Aug 2026 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2004 · 8 claims Severe Storms, Flooding, And Tornadoes, Jun 1998 · 9 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	CITY OF CAMBRIDGE serves 10,520 people · EPA ID OH3000111
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2019 Total trihalomethanes resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 671 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

Nearby Properties on N 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures