445 Cambridge Ln, Lancaster, OH 43130 Property Records

Fairfield County property record for 445 Cambridge Ln, Lancaster, OH 43130

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,930 sqft · built 1985
Lot Size	0.344 acres (15,015 sqft)
Owner	2 Owner Names on File
Last Sale	$264,000 (Sep 2012)
Tax Bill	$4,055 (2023)
Deeds & Mortgages	Oct 2022 Second Mortgage Jun 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053-41824.00`

Property Details

APN / Parcel Number

Primary APN	`053-41824.00`
Alternative APN	`0411 00069`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,930 sqft Living Area
1st Floor Area	1,180 sqft
2nd Floor Area	1,180 sqft
Basement Area	336 sqft
Unfinished Basement	336 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Architectural Style	Tudor
Exterior Material	Stucco
Lot Area	15,015 sqft (0.344 acres)
Lot Dimensions	143 ft deep x 105 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Deck Area	120 sqft
Patio Area	272 sqft
Canopy	120 sqft
Poultry House	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Oil
Heating Fuel	Gas

Location & Zoning

Account Number	0411 00069
Street Address	445 CAMBRIDGE LN
City	LANCASTER
State	OH
Zip	43130-8893
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AVERY HILLS PH IV LOT 66
Legal Subdivision	AVERY HILLS
Legal Phase	4
Legal Lot Number	66
Jurisdiction	FAIRFIELD OH
Township / Civil Division	LANCASTER CITY
Census Block Group	1
Census Block	1020
Census Tract	31300

Owner

The current owner of 445 Cambridge Ln bought it in September 2012.

Source: Fairfield County records, as of March 11, 2026

Owner of Record	2 Owner Names on File
Mailing Address	445 CAMBRIDGE LN, LANCASTER, OH 43130-8893
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARK NATIONAL BANK
Jun 20, 2017	Deed of Trust, Mortgage · Line of Credit FAIRFIELD NATL DIV OF THE PARK NATL BANK
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRFIELD NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2012 · Amount on File
Deed Sale	Sep 7, 2012 · Amount on File
Prior Sale	Aug 3, 2009 · Amount on File
Deed Document Number	0016072598
Deed Book / Page	1607 / 2598
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	445 CAMBRIDGE LN, LANCASTER, OH 43130-8893
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 CAMBRIDGE LN, LANCASTER, OH 43130-8893

Mortgage

Document Number	0000022006
Date	Oct 31, 2022
Instrument	202200022006

Lender

Name	PARK NATIONAL BANK
Type	Bank
Address	NEWARK, OH 43058

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2037

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	445 CAMBRIDGE LN, LANCASTER, OH 43130-8893
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010991
Date	Jun 20, 2017
Book Page	1740/3197
Instrument	201700010991

Lender

Name	FAIRFIELD NATL DIV OF THE PARK NATL BANK
Type	Bank
Address	LANCASTER, OH 43130

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 16, 2027

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	445 CAMBRIDGE LN, LANCASTER, OH 43130-8893
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013248
Date	Jul 1, 2020
Book Page	1828/2068
Instrument	202000013248

Lender

Name	FAIRFIELD NATIONAL BANK
Type	Bank
Address	LANCASTER, OH 43130

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

Source: Fairfield County assessment roll, as of March 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$152,180 Land $25,420 Building $126,760	$434,800 Land $72,620 Building $362,180
2023	$4,055.00 Homeowner's exemption	$111,510 (-) Land $16,810 Building $94,700
2022	Homeowner's exemption	$111,510 Land $16,810 Building $94,700	$318,620 Land $48,040 Building $270,580

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

FEMA maps place 445 Cambridge Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective December 11, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Jul 2013 · river or lake flooding

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

Wildfire risk around 445 Cambridge Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 71% of Ohio
Wildfire Likelihood	Under 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	LANCASTER CITY PWS serves 40,400 people · EPA ID OH2301012
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Glo Fiber, Verizon.

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