4542 Saint James Rd, Waldo, OH 43356 Property Records

Marion County property record for 4542 Saint James Rd, Waldo, OH 43356

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,181 sqft · built 1976
Lot Size	2.38 acres (103,803 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Jun 2026)
Tax Bill	$5,138 (2025)
Deeds & Mortgages	May 2025 Mortgage Jun 2026 Sale + 7 more
Flood Zone	Zone X (minimal risk)
APN	`31-0220001.100`

Property Details

APN / Parcel Number

Primary APN	`31-0220001.100`
Alternative APN	`200006700`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,181 sqft Living Area
Gross Area	4,022 sqft
1st Floor Area	2,431 sqft
Basement Area	1,591 sqft
Finished Basement	750 sqft
Unfinished Basement	841 sqft
Flooring	Carpet
Interior Walls	Block
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Frame
Roof Material	Other
Lot Area	103,803 sqft (2.38 acres)
Garage Area	1,064 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Propane

Location & Zoning

Street Address	4542 SAINT JAMES RD
City	WALDO
State	OH
Zip	43356-9138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW SW SEC 20 MAP 33 110 22.00 11.00
Jurisdiction	MARION OH
Township / Civil Division	RICHLAND
Census Block Group	4
Census Block	4039
Census Tract	10500

Owner

4542 Saint James Rd is owned and occupied by an individual who bought it in June 2026.

Source: Marion County records, as of June 9, 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 Record	Individual Name on File
Mailing Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jun 2, 2026	Affidavit, Transfer
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI
Mar 5, 2026	Affidavit of Death of Joint Tenant, Transfer
Jan 9, 2024	Transfer on Death Deed, Transfer
Jun 1, 2022	Intrafamily Transfer, Transfer
Jun 1, 2022	Survivorship Deed, Transfer
Jul 28, 2020	Deed of Trust, Mortgage · Line of Credit PILLAR CU INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Deed Document Number	20263291
Deed Book / Page	1786 / 674
Prior Transfer Date	May 31, 2022
Prior Transfer Doc	0016210901
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION OH
Property Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138

Mortgage

Document Number	0017380437
Date	May 23, 2025
Book Page	1738/437
Instrument	2025-02986

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

June 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	MARION OH
Recording Date	Jun 2, 2026
Property Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138
Document Number	0000003290
Book / Page	1786 / 670
Instrument Date	Jun 2, 2026
Instrument	20263290
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION OH
Recording Date	Jun 2, 2026
Property Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138
Document Number	0000003291
Book / Page	1786 / 674
Instrument Date	Jun 1, 2026
Instrument	20263291
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138

Mortgage

Document Number	0000003292,
Date	Jun 2, 2026
Instrument	20263292

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION OH
Recording Date	Jun 2, 2026
Property Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138
Document Number	0017860674
Book / Page	1786 / 674
Instrument Date	Jun 1, 2026
Instrument	20263291
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138

Mortgage

Document Number	0000003292,
Date	Jun 2, 2026
Instrument	20263292

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MARION OH
Recording Date	Mar 5, 2026
Property Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138
Document Number	0017750368
Book / Page	1775 / 368
Map Reference	VOL 13 PG 234
Instrument Date	Mar 2, 2026
Instrument	2026-01296
Transaction Type	Transfer
Record Updated	Mar 18, 2026

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

January 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MARION OH
Recording Date	Jan 9, 2024
Property Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138
Document Number	0016830805
Book / Page	1683 / 805
Instrument Date	Jan 3, 2024
Instrument	2024-00155
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARION OH
Recording Date	Jun 1, 2022
Property Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138
Document Number	0016210901
Book / Page	1621 / 901
Instrument Date	May 31, 2022
Instrument	2022-04043
Transaction Type	Transfer
Record Updated	Jun 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2458 NEWMANS CARDINGTON RD E, WALDO, OH 43356-9143

June 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MARION OH
Recording Date	Jun 1, 2022
Property Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138
Document Number	0016210904
Book / Page	1621 / 904
Instrument Date	May 31, 2022
Instrument	2022-04044
Transaction Type	Transfer
Record Updated	Jun 13, 2022

Transaction

Amount	Amount 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	2458 NEWMANS CARDINGTON RD E, WALDO, OH 43356-9143

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION OH
Property Address	4542 SAINT JAMES RD, WALDO, OH 43356-9138
Document Number	0015250748
Instrument Date	Jul 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 4, 2020
Title Company	SUPERIOR FINANCIAL SOLUTIONS, SUPERIOR FIN'L SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4542 SAINT JAMES RD WALDO OH 433569138, WALDO, OH 43356-9138

Mortgage

Document Number	0015250748
Date	Aug 3, 2020
Book Page	001525/000748
Instrument	4745

Lender

Name	PILLAR CU INC
Address	300 BARKS RD E, MARION, OH 43302-6512

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 2, 2035

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4542 Saint James Rd was $5,138, up 24% from the year before.

Source: Marion County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Marion County
County Subdivision	Richland Township
Unified School District	River Valley Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,138.00 (+23.99%)	$153,060 (+3%) Land $14,530 Building $138,530	$437,310 Land $41,510 Building $395,800
2024	$4,144.00 (+3.55%)	$117,740 (-) Land $12,900 Building $104,840
2023	$4,002.00 (-3.47%) Homeowner's exemption	$117,740 (-) Land $12,900 Building $104,840
2022	$4,146.00 Homeowner's exemption	$117,740 Land $12,900 Building $104,840	$336,400 Land $36,860 Building $299,540

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 4542 Saint James Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 29, 2024

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

Wildfire risk around 4542 Saint James 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 98% of the US · lower than 90% 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	DEL-CO WATER COMPANY, INC. private · serves 150,000 people · EPA ID OH2101412
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Mercury Fiber Fixed Wireless	150 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: Verizon.

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