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445 E Ward St, Urbana, OH 43078 Property Records

Champaign County property record for 445 E Ward St, Urbana, OH 43078

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 1,121 sqft · built 1900
Lot Size0.146 acres (6,400 sqft)
Owner2 Individual Names on Record
Last Sale$130,000 (Jul 2026)
Tax Bill$1,385 (2025)
Deeds & MortgagesJul 2026 Sale & Line of Credit
Flood ZoneZone X (minimal risk)
APN024553-5

Property Details

APN / Parcel Number

Primary APN024553-5
Alternative APN
  • K48-25-00-03-11-073-00

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures5 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,121 sqft Living Area
Gross Area1,199 sqft
1st Floor Area807 sqft
Basement Area392 sqft
Unfinished Basement392 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1950
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Foundation TypeNo Foundation
Lot Area6,400 sqft (0.146 acres)
Lot Dimensions160 ft deep x 40 ft wide
Garage TypeDetached
Garage Area288 sqft
Parking Spaces1 Parking Space
PorchPorch
Porch Area368 sqft
Patio Area140 sqft

Utilities, Heating & Cooling

Heating SystemCentral
Heating FuelGas
SewerConnected

Location & Zoning

Account Number024553-5
Street Address445 E WARD ST
CityURBANA
StateOH
Zip43078-1763
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRTS 00-00-00 __ T M GWYNNE ADDNLOT 74
Legal SubdivisionT M GWYNNE ADDN
Legal Lot Number74
JurisdictionCHAMPAIGN OH
Township / Civil DivisionURBANA
Census Block Group4
Census Block4014
Census Tract10500

Owner

Source: Champaign County records, as of August 24, 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 Record2 Individual Names on Record
Mailing Address301 TAFT AVE, URBANA, OH 43078-1052
OccupancyOwner Occupied
Owner TypeIndividual
VestingRemainderman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 30, 2026 · Amount on Record
Deed SaleJul 30, 2026 · Amount on Record
Prior SaleApr 29, 2005 · Amount on Record
Deed Document Number20263203
Deed Book / Page607 / 2518
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHAMPAIGN OH
Recording DateJul 30, 2026
Property Address445 E WARD ST, URBANA, OH 43078-1763
Document Number0000003203
Book / Page607 / 2518
Instrument DateJul 22, 2026
Instrument20263203
Transaction TypeTransfer
Record UpdatedAug 24, 2026
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$52,520.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRemainderman
Address301 TAFT AVE, URBANA, OH 43078-1052

Mortgage

Document Number0000003204,
DateJul 30, 2026
Instrument20263204
Lender
NameIH CREDIT UNION INC
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeAdjustable Rate
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of March 26, 2026

Property Jurisdictions

TypeName
StateOhio
CountyChampaign County
County SubdivisionUrbana Township
MunicipalityUrbana City
Unified School DistrictUrbana City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,385.00 (-1%)$41,190 (+23.99%) Land $5,590 Building $35,600$117,670 (+24.01%) Land $15,960 Building $101,710
2024$1,399.00 (+0.87%) Homeowner's exemption$33,220 (-) Land $5,110 Building $28,110
2023$1,387.00 (-0.5%) Homeowner's exemption$33,220 (-) Land $5,110 Building $28,110$94,890 (-) Land $14,590 Building $80,300
2022$1,394.00 Homeowner's exemption$33,220 Land $5,110 Building $28,110$94,890 Land $14,590 Building $80,300

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 September 12, 2018

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemURBANA CITY PWS
serves 11,428 people · EPA ID OH1101212
Water SourceGroundwater
Last State InspectionMar 2024
Lead6 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting7
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 553 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Watch TV
Fixed Wireless		400 / 40

May also be available: CT Communications Network, Verizon.

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