Champaign County property record for 521 E Light St, Urbana, OH 43078
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,129 sqft · built 1962 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $86,000 (Oct 2018) |
| Tax Bill | $1,890 (2025) |
| Deeds & Mortgages | Oct 2018 Sale & Mortgage May 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 025032-6 |
| Primary APN | 025032-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,129 sqft Living Area |
| 1st Floor Area | 1,129 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 10,000 sqft (0.229 acres) |
| Lot Dimensions | 200 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 229 sqft |
| Deck Area | 220 sqft |
| Patio Area | 220 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 025032-6 |
|---|---|
| Street Address | 521 E LIGHT ST |
| City | URBANA |
| State | OH |
| Zip | 43078-1227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RTS 00-00-00 __ P B ROSS ADDNE PT LOT 14 |
| Legal Subdivision | P B ROSS ADDN |
| Legal Lot Number | 14 |
| Jurisdiction | CHAMPAIGN OH |
| Township / Civil Division | URBANA |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 10500 |
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 | 521 E LIGHT ST, URBANA, OH 43078-1227 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2018 | Warranty Deed, Transfer · Conventional Mortgage UNITED SAVINGS BANK |
| May 31, 2018 | Transfer on Death Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2018 · Amount on Record |
| Deed Sale | Oct 19, 2018 · Amount on Record |
| Deed Document Number | 20184642 |
| Deed Book / Page | 562 / 1292 |
| Prior Transfer Date | Feb 26, 2018 |
| Prior Transfer Doc | 558/2107 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Recording Date | Oct 19, 2018 |
| Property Address | 521 E LIGHT ST, URBANA, OH 43078-1227 |
| Document Number | 562/1292 |
| Book / Page | 562 / 1292 |
| Map Reference | CAB 1 PL 137 |
| Instrument Date | Oct 10, 2018 |
| Instrument | 201800004642 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | FIRST OHIO TITLE INSURANCE, FIRST OHIO TITLE INSURANCE B |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | UNION SAVINGS BANK 8534 KEMPER RD, CINCINNATI, OH 45249 |
| Document Number | 201800004643 |
|---|---|
| Date | Oct 19, 2018 |
| Instrument | 201800004643 |
| Name | UNITED SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Recording Date | May 31, 2018 |
| Property Address | 521 E LIGHT ST, URBANA, OH 43078-1227 |
| Document Number | 558/2107 |
| Book / Page | 558 / 2107 |
| Map Reference | SL 137 CAB 1 |
| Instrument Date | Feb 26, 2018 |
| Instrument | 201800002270 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1987 W RT 29, 1987, URBANA, OH 43078 |
| Name | Verified Name |
|---|---|
| Address | 5475 IDLE RD, URBANA, OH 43078-9354 |
Source: Champaign County assessment roll, as of March 26, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Champaign County |
| County Subdivision | Urbana Township |
| Municipality | Urbana City |
| Unified School District | Urbana City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,890.00 (-0.94%) | $56,180 (+54.94%) Land $8,260 Building $47,920 | $160,510 (+54.95%) Land $23,600 Building $136,910 |
| 2024 | $1,908.00 (+26.11%) Homeowner's exemption | $36,260 (-) Land $5,230 Building $31,030 | |
| 2023 | $1,513.00 (-0.53%) Homeowner's exemption | $36,260 (-) Land $5,230 Building $31,030 | $103,590 (-) Land $14,940 Building $88,650 |
| 2022 | $1,521.00 Homeowner's exemption | $36,260 Land $5,230 Building $31,030 | $103,590 Land $14,940 Building $88,650 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 6 (1979–2008) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jun 2008 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 324 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 |
| Verizon Fixed Wireless | 300 / 20 |
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