4470 Everett Rd, Urbana, OH 43078 Property Records

Champaign County property record for 4470 Everett Rd, Urbana, OH 43078

Property Summary

Property Type	Rural Home
Details	2 bd · 3 ba · 2,674 sqft · built 1996
Lot Size	5.23 acres (227,819 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Feb 2020)
Tax Bill	$6,287 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`034249-6`

Property Details

APN / Parcel Number

Primary APN	`034249-6`
Alternative APN	`J39-10-11-31-00-010-02`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,674 sqft Living Area
1st Floor Area	1,724 sqft
Upper Floors Area	950 sqft
Attic	Attic
Attic Area	576 sqft
Basement Area	603 sqft
Unfinished Basement	1,724 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Contemporary
Construction Type	Frame
Lot Area	227,819 sqft (5.23 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	42 sqft
Deck Area	64 sqft
Patio Area	944 sqft
Shed	1 Shed
Shed Area	80 sqft
Canopy	394 sqft
Pole Barn	1,750 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	034249-6
Street Address	4470 EVERETT RD
City	URBANA
State	OH
Zip	43078-9244
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	RTS 11-06-31 __ NE 1/4SURVEYOR'S AFFIDAVIT FILED 1/23/15
Legal Range	11W
Legal Township	10N
Legal Section	31
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	UNION
Census Block Group	4
Census Block	4018
Census Tract	11504

Owner

4470 Everett Rd, a rural home, is owned and occupied by two individuals who acquired it in August 2023.

Source: Champaign County records, as of March 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4470 EVERETT RD, URBANA, OH 43078-9244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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
Feb 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Aug 9, 2023	Intrafamily Transfer, Transfer
Feb 10, 2020	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Oct 15, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2020 · Amount on File
Deed Sale	Feb 10, 2020 · Amount on File
Deed Document Number	2020600
Deed Book / Page	569 / 4990
Last Transfer Date	Aug 7, 2023
Transfer Doc	00591/3584
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	4470 EVERETT RD, URBANA, OH 43078-9244
Transaction Type	Mortgage
Record Updated	Apr 19, 2024
Title Company	LANDSTAR TITLE AGENCY INC, LANDMARK TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00556/0329
Date	Feb 5, 2018
Book Page	556/0329
Instrument	201800000546

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2033

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	4470 EVERETT RD, URBANA, OH 43078-9244
Transaction Type	Mortgage
Record Updated	Apr 19, 2024
Title Company	LANDSTAR TITLE AGENCY INC, LANDMARK TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00571/3961
Date	Jun 11, 2020
Book Page	571/3961
Instrument	202000002446

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHAMPAIGN OH
Recording Date	Aug 9, 2023
Property Address	4470 EVERETT RD, URBANA, OH 43078-9244
Document Number	00591/3584
Book / Page	591 / 3584
Instrument Date	Aug 7, 2023
Instrument	202300002972
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4470 EVERETT RD, URBANA, OH 43078-9244

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Feb 10, 2020
Property Address	4470 EVERETT RD, URBANA, OH 43078-9244
Document Number	00569/4990
Book / Page	569 / 4990
Instrument Date	Jan 23, 2020
Instrument	202000000600
Transaction Type	Transfer
Record Updated	Apr 19, 2024
Title Company	LANDMARK TITLE AGENCY SOUTH INC, LANDMARK TTL AGCY SOUTH INC

Transaction

Amount	Amount 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	4470 EVERETT RD, URBANA, OH 43078-9244

Mortgage

Document Number	202000000601
Date	Feb 10, 2020
Instrument	202000000601

Lender

Name	UNION SAVINGS BANK
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Feb 1, 2021
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHAMPAIGN OH
Recording Date	Oct 15, 2019
Property Address	4470 EVERETT RD, URBANA, OH 43078-9244
Document Number	00568/0494
Book / Page	568 / 0494
Instrument Date	Jul 15, 2019
Instrument	201900004133
Transaction Type	Transfer
Record Updated	Apr 19, 2024
Title Company	LANDMARK TTL AGCY SOUTH INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4470 EVERETT RD, URBANA, OH 43078-9244
Investor	Possibly a Property Investor

Mortgage

Document Number	00568/0496
Date	Oct 15, 2019
Book Page	568/0496
Instrument	201900004134

Lender

Name	UNITED SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Aug 1, 2020
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

The 2025 property tax bill for 4470 Everett Rd was $6,287 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Champaign County
County Subdivision	Union Township
Unified School District	Urbana City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,287.00	$184,680 (+61.93%) Land $20,730 Building $163,950	$527,650 Land $59,230 Building $468,420
2024	$6,287.00 (+43.8%) Homeowner's exemption	$114,050 (+11.31%) Land $14,350 Building $99,700
2023	$4,372.00 (-2.65%) Homeowner's exemption	$102,460 (-) Land $14,350 Building $88,110	$325,870 (+11.31%) Land $41,010 Building $284,860
2022	$4,491.00 Homeowner's exemption	$102,460 Land $14,350 Building $88,110	$292,750 Land $41,010 Building $251,740

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 4470 Everett Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2000.

Source: FEMA National Flood Hazard Layer, effective September 12, 2018 · 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	1 in force
Nearby Flood Claims	3 (2000–2015)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2015 · 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 4470 Everett Rd 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 93% of the US · lower than 68% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Watch TV Fixed Wireless	400 / 40
T-Mobile Fixed Wireless	100 / 20
Frontier DSL	10 / 1

May also be available: Verizon.

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