448 Scioto St, Urbana, OH 43078 Property Records

Champaign County property record for 448 Scioto St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,892 sqft · built 1948
Lot Size	0.302 acres (13,155 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Jun 2021)
Tax Bill	$5,622 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`024079-2`

Property Details

APN / Parcel Number

Primary APN	`024079-2`
Alternative APN	`K48-25-00-03-01-006-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,892 sqft Living Area
Gross Area	3,135 sqft
1st Floor Area	1,709 sqft
Attic	Attic
Attic Area	223 sqft
Basement Area	696 sqft
Finished Basement	696 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Brick/Stone
Foundation Type	Raised
Lot Area	13,155 sqft (0.302 acres)
Lot Dimensions	182 ft deep x 72 ft wide
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	348 sqft
Deck Area	180 sqft
Patio Area	60 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	024079-2
Street Address	448 SCIOTO ST
City	URBANA
State	OH
Zip	43078-2131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 00-00-00 __ BALDWIN HEIR'S ADDNPT LOT BNEW SURVEY FILED 11/9/17
Legal Subdivision	BALDWIN HEIR ADDN
Legal Lot Number	B
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	2
Census Block	2020
Census Tract	10500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Scioto Street Historic District listed 1984 · 70 contributing resources · NRIS 84002908

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Champaign County records, as of July 14, 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 Record
Mailing Address	448 SCIOTO ST, URBANA, OH 43078-2131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 23, 2023	Deed of Trust, Mortgage · Line of Credit THE FARMERS & MERCHANTS STATE BANK
Aug 16, 2011	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
May 25, 2007	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Jun 1, 2021	Warranty Deed, Transfer · Conventional Mortgage PERPETUAL FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2021 · Amount on Record
Deed Sale	Jun 1, 2021 · Amount on Record
Prior Sale	Oct 11, 2000 · Amount on Record
Deed Document Number	20213041
Deed Book / Page	578 / 2963
Prior Transfer Date	Dec 2, 2011
Prior Transfer Doc	503/0572
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	448 SCIOTO ST, URBANA, OH 43078-2131
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA SETMNTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00575/4213
Date	Jan 19, 2021
Book Page	575/4213
Instrument	202100000286

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	448 SCIOTO ST, URBANA, OH 43078-2131
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000592/747
Date	Oct 23, 2023
Book Page	592/747
Instrument	202300004032

Lender

Name	THE FARMERS & MERCHANTS STATE BANK
Type	Bank
Address	ARCHBOLD, OH 43502

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	448 SCIOTO ST, URBANA, OH 43078-2131
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000499/587
Date	Aug 16, 2011
Book Page	499/587
Instrument	201100003650

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 28, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	448 SCIOTO ST, URBANA, OH 43078-2131
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00463/2628
Date	May 25, 2007
Book Page	463/2628
Instrument	200700002894

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 24, 2032

Interest

Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Jun 1, 2021
Property Address	448 SCIOTO ST, URBANA, OH 43078-2131
Document Number	00578/2963
Book / Page	578 / 2963
Map Reference	SL 290 CAB 1
Instrument Date	May 25, 2021
Instrument	202100003041
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	445 LINCOLN PL, URBANA, OH 43078-1433

Mortgage

Document Number	202100003042
Date	Jun 1, 2021
Instrument	202100003042

Lender

Name	PERPETUAL FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,622.00 (-0.83%)	$147,040 (+58.6%) Land $12,360 Building $134,680	$420,100 (+58.59%) Land $35,310 Building $384,790
2024	$5,669.00 (+24.73%) Homeowner's exemption	$92,710 (-) Land $8,890 Building $83,820
2023	$4,545.00 (-0.44%) Homeowner's exemption	$92,710 (-) Land $8,890 Building $83,820	$264,890 (-) Land $25,400 Building $239,490
2022	$4,565.00 Homeowner's exemption	$92,710 Land $8,890 Building $83,820	$264,890 Land $25,400 Building $239,490

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 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	Low lower than 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	URBANA CITY PWS serves 11,428 people · EPA ID OH1101212
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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

Provider	Max 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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