435 Summit St, Kenton, OH 43326 Property Records

Hardin County property record for 435 Summit St, Kenton, OH 43326

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,440 sqft · built 1960
Lot Size	0.09 acres (3,960 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (Nov 2024)
Tax Bill	$1,048 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jun 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`36-620074.0000`

Property Details

APN / Parcel Number

Primary APN	`36-620074.0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	3,960 sqft (0.09 acres)
Lot Dimensions	120 ft deep x 33 ft wide
Garage Area	224 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	435 SUMMIT ST
City	KENTON
State	OH
Zip	43326-1624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARYS E PT 1-2
Legal Subdivision	CARYS
Jurisdiction	HARDIN OH
Township / Civil Division	PLEASANT
Census Block Group	3
Census Block	3004
Census Tract	200

Owner

Source: Hardin County records, as of April 3, 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	2 Individual Names on File
Mailing Address	435 SUMMIT ST, KENTON, OH 43326-1624
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Line of Credit HOME SAVINGS AND LOAN CO OF KENTON OH
Jun 3, 2020	Survivorship Deed, Transfer · Line of Credit HONDA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2024 · Amount on File
Deed Sale	Nov 6, 2024 · Amount on File
Prior Sale	Jun 3, 2020 · Amount on File
Deed Document Number	20243107
Deed Book / Page	572 / 2486
Prior Transfer Date	Mar 1, 2010
Prior Transfer Doc	00490/2468
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN OH
Property Address	435 SUMMIT ST, KENTON, OH 43326-1624
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 SUMMIT ST, KENTON, OH 43326-1624

Mortgage

Document Number	00576/1313
Date	Dec 5, 2025
Book Page	576/1313
Instrument	2025003709

Lender

Name	HOME SAVINGS AND LOAN CO OF KENTON OH
Type	Bank
Address	116 E FRANKLIN ST, KENTON, OH 43326

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year CMT
Margin	3
Max Rate	13%

June 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HARDIN OH
Recording Date	Jun 3, 2020
Property Address	435 SUMMIT ST, KENTON, OH 43326-1624
Document Number	00556/4439
Book / Page	556 / 4439
Map Reference	VOL 149 PG 139
Instrument Date	May 22, 2020
Instrument	202000001826
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	HEART OF OHIO TITLE COMPANY, HEART OF OHIO TITLE CO

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	435 SUMMIT ST, KENTON, OH 43326-1624

Mortgage

Document Number	202000001827
Date	Jun 3, 2020
Instrument	202000001827

Lender

Name	HONDA FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Hardin County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hardin County
County Subdivision	Pleasant Township
Municipality	Kenton City
Unified School District	Kenton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,048.00 (+0.58%)	$24,120 (+0.88%) Land $1,450 Building $22,670
2024	$1,042.00 (+4.83%) Homeowner's exemption	$23,910 (-) Land $1,450 Building $22,460
2023	$994.00 (-0.7%) Homeowner's exemption	$23,910 (+11.89%) Land $1,450 Building $22,460	$68,910 (+12.86%) Land $4,140 Building $64,770
2022	$1,001.00 Homeowner's exemption	$21,370 Land $1,080 Building $20,290
2020			$61,060 Land $3,090 Building $57,970

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 July 9, 2024

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	KENTON CITY serves 8,360 people · EPA ID OH3300612
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Oct 2023
Monitoring and Reporting	5 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 387 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
HDER Link Fixed Wireless	500 / 500
Watch TV Fixed Wireless	400 / 40

May also be available: Verizon.

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