4540 Carpenter Rd SE, Lancaster, OH 43130 Property Records

Fairfield County property record for 4540 Carpenter Rd SE, Lancaster, OH 43130

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,272 sqft · built 1965
Lot Size	0.439 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$214,000 (May 2024)
Tax Bill	$931 (2023)
Deeds & Mortgages	May 2024 Sale & Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`004-00499.00`

Property Details

APN / Parcel Number

Primary APN	`004-00499.00`
Alternative APN	`0023 00020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	1,064 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Block
Lot Area	19,166 sqft (0.439 acres)
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Gas

Location & Zoning

Account Number	0023 00020
Street Address	4540 CARPENTER RD SE
City	LANCASTER
State	OH
Zip	43130-9442
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R 18 T 14 S 23 SE
Legal Range	18
Legal Township	14
Legal Section	23
Jurisdiction	FAIRFIELD OH
Township / Civil Division	BERNE
Census Block Group	2
Census Block	2017
Census Tract	31200

Owner

4540 Carpenter Rd SE is owned and occupied by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	4540 CARPENTER RD SE, LANCASTER, OH 43130-9442
Occupancy	Owner Occupied
Owner Type	Individual

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
May 7, 2024	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Nov 2, 2022	Warranty Deed, Transfer · Seller Carry-Back T2 FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2024 · Amount on File
Deed Sale	May 7, 2024 · Amount on File
Prior Sale	Nov 2, 2022 · Amount on File
Deed Document Number	202400006745
Record Updated	Jun 8, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	May 7, 2024
Property Address	4540 CARPENTER RD SE, LANCASTER, OH 43130-9442
Document Number	0000006745
Instrument Date	May 3, 2024
Instrument	202400006745
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	VALMER LAND TITLE

Transaction

Amount	Amount on Record
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
Address	8805 GOVERNORS HILL DR, CINCINNATI, OH 45249-1337

Mortgage

Document Number	0000006746
Date	May 7, 2024
Instrument	202400006746

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Nov 2, 2022
Property Address	4540 CARPENTER RD SE, LANCASTER, OH 43130-9442
Document Number	0000022105
Instrument Date	Oct 20, 2022
Instrument	202200022105
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Amount	Amount 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
Address	480 OLDE WORTHINGTON RD STE 300, 300, WESTERVILLE, OH 43082-9152

Mortgage

Document Number	0000022106
Date	Nov 2, 2022
Instrument	202200022106

Lender

Name	T2 FINANCIAL LLC
Type	Non-Lending Institution

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Fairfield County
County Subdivision	Berne Township
Unified School District	Berne Union Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$74,900 Land $12,240 Building $62,660	$214,000 Land $34,980 Building $179,020
2023	$931.00	$27,000 (-) Land $8,450 Building $18,550
2022		$27,000 Land $8,450 Building $18,550	$77,150 Land $24,140 Building $53,010

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4540 Carpenter Rd SE in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force

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 4540 Carpenter Rd SE is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.02% 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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