442 Bernard Ave, Saint Henry, OH 45883 Property Records

Mercer County property record for 442 Bernard Ave, Saint Henry, OH 45883 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,430 sqft · built 1974
Lot Size	0.307 acres (13,395 sqft)
Owner	Individual Name on File
Last Sale	$256,666 (Aug 2023)
Tax Bill	$2,547 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-067700.0000`

Property Details

APN / Parcel Number

Primary APN	`23-067700.0000`
Alternative APN	`11-16-453-030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	1,430 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

Location & Zoning

Street Address	442 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 #29
Legal Subdivision	BERNARD SECOND ADDITION
Legal Lot Number	29
Jurisdiction	MERCER OH
Township / Civil Division	GRANVILLE
Census Block Group	2
Census Block	2026
Census Tract	967900

Owner

Source: Mercer County records · APN 23-067700.0000

Assessment roll updated February 27, 2026 · Last verified July 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 File
Mailing Address	442 BERNARD AVE, SAINT HENRY, OH 45883-9535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 01, 2023	Warranty Deed, Transfer · Conventional Mortgage PARK NATIONAL BANK
Aug 23, 2018	Warranty Deed, Transfer · ARM SECOND NATIONAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 01, 2023 · Amount on Record
Deed Sale	Aug 01, 2023 · Amount on Record
Prior Sale	Aug 23, 2018 · Amount on Record
Deed Document Number	20232913
Prior Transfer Date	Jul 31, 2023
Prior Transfer Doc	0000002913
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MERCER OH
Recording Date	Aug 01, 2023
Property Address	442 BERNARD AVE, SAINT HENRY, OH 45883-9535
Document Number	202300002913
Map Reference	MB 10 PG 37
Instrument Date	Jul 31, 2023
Instrument	202300002913
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	NOT AVAILABLE, FOUR DIAMOND TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 BERNARD AVE, SAINT HENRY, OH 45883-9535

Mortgage

Document Number	202300002914
Date	Aug 01, 2023
Instrument	202300002914

Lender

Name	PARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2053

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MERCER OH
Recording Date	Aug 23, 2018
Property Address	442 BERNARD AVE, SAINT HENRY, OH 45883-9535
Document Number	201800004059
Map Reference	MB10 PG37
Instrument Date	Aug 18, 2018
Instrument	201800004059
Transaction Type	Transfer
Record Updated	Sep 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	442 BERNARD AVE, SAINT HENRY, OH 45883-9535

Mortgage

Document Number	201800004060
Date	Aug 23, 2018
Instrument	201800004060

Lender

Name	SECOND NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Sep 01, 2023
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	5.99%
Index	1-Year CMT
Max Rate	9.99%

Tax Assessment & Valuation

Source: Mercer County records · Assessment roll updated February 27, 2026 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,547.00	$74,980 (-) Land $13,900 Building $61,080
2024	$2,547.00 (+2.08%)	$74,980 (-) Land $13,900 Building $61,080
2023	$2,495.00 (+15.99%)	$74,980 (+30.31%) Land $13,900 Building $61,080	$214,200 (+30.29%) Land $39,700 Building $174,500
2022	$2,151.00	$57,540 Land $8,820 Building $48,720
2020			$164,400 Land $25,200 Building $139,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Mercer County (39107C), updated May 16, 2012 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 230 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Wabash Mutual Telephone Company	Fiber	2,000 / 2,000
New Knoxville Telephone Company/GoldStar Communications	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Benton Ridge Telephone Company	Fixed Wireless	400 / 40
Verizon	Fixed Wireless	300 / 20
Wabash Mutual Telephone Company	Fixed Wireless (unlicensed)	100 / 25
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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