521 E Main St, Ashland, OH 44805 Property Records

Ashland County property record for 521 E Main St, Ashland, OH 44805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,389 sqft · built 1901
Lot Size	0.167 acres (7,253 sqft)
Owner	Company Name on File
Last Sale	$157,000 (Apr 2026)
Tax Bill	$990 (2025)
Deeds & Mortgages	Mar 2010 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P44-029-0-0071-00`

Property Details

APN / Parcel Number

Primary APN	`P44-029-0-0071-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,389 sqft Living Area
1st Floor Area	2,010 sqft
Upper Floors Area	384 sqft
Basement Area	1,005 sqft
Unfinished Basement	1,005 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	7,253 sqft (0.167 acres)
Lot Dimensions	117 ft deep x 62 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	282 sqft
Deck Area	60 sqft
Patio Area	60 sqft
Lean-To	60 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	521 E MAIN ST
City	ASHLAND
State	OH
Zip	44805-2549
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	521 E MAIN ST R=29 LOT 178
Legal Subdivision	SOUTH ASHLAND
Legal Lot Number	178
Jurisdiction	ASHLAND OH
Township / Civil Division	ASHLAND
Census Block Group	3
Census Block	3001
Census Tract	970500

Owner

521 E Main St is owned by a company that bought it in April 2026 and is owner-occupied.

Source: Ashland County records, as of April 28, 2026

Owner of Record	Company Name on File
Mailing Address	521 E MAIN ST, ASHLAND, OH 44805-2549
Occupancy	Owner Occupied
Owner Type	Company

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
Mar 9, 2010	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK
Apr 15, 2026	Warranty Deed, Transfer · Conventional Mortgage MECHANICS BANK
Jan 7, 2026	Warranty Deed, Transfer UNKNOWN, CASTLE REAL ESTATE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2026 · Amount on File
Deed Sale	Apr 15, 2026 · Amount on File
Prior Sale	Jan 7, 2026 · Amount on File
Deed Document Number	20261904
Deed Book / Page	1003 / 4115
Prior Transfer Date	Jun 17, 2010
Prior Transfer Doc	000650/061
Record Updated	Sep 20, 2026

March 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND OH
Property Address	521 E MAIN ST, ASHLAND, OH 44805-2549
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000640/877
Date	Mar 9, 2010
Book Page	640/877
Instrument	201000001017

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Amount	Amount on Record

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHLAND OH
Recording Date	Apr 15, 2026
Property Address	521 E MAIN ST, ASHLAND, OH 44805-2549
Document Number	01003/4115
Book / Page	1003 / 4115
Instrument Date	Apr 10, 2026
Instrument	2026.1904
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	CASTLE REAL ESTATE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63,428.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 E MAIN ST, ASHLAND, OH 44805-2549

Mortgage

Document Number	0000001905,
Date	Apr 15, 2026
Book Page	1003/4117
Instrument	2026.1905

Lender

Name	MECHANICS BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ASHLAND OH
Recording Date	Jan 7, 2026
Property Address	521 E MAIN ST, ASHLAND, OH 44805-2549
Document Number	01001/5482
Book / Page	1001 / 5482
Instrument Date	Jan 6, 2026
Instrument	202600000101
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	UNKNOWN, CASTLE REAL ESTATE TITLE

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	1188 COUNTY ROAD 1475, ASHLAND, OH 44805-9745

Tax Assessment & Valuation

The 2025 property tax bill for 521 E Main St was $990 with a homeowner's exemption.

Source: Ashland County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ashland County
Municipality	Ashland City
Unified School District	Ashland City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$990.00 Homeowner's exemption	$28,670 (-) Land $8,140 Building $20,530
2024	$990.00 Homeowner's exemption	$28,670 (-) Land $8,140 Building $20,530
2023	$990.00 (+14.45%)	$28,670 (+45.02%) Land $8,140 Building $20,530	$81,930 Land $23,260 Building $58,670
2022	$865.00	$19,770 Land $5,610 Building $14,160
2020			$56,500 Land $16,040 Building $40,460

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 521 E Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 18, 2009

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 521 E Main St 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ASHLAND CITY serves 20,648 people · EPA ID OH0300112
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 471 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Armstrong Cable · Fiber in parts of the area	1,000 / 20
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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