538 E Ward St, Urbana, OH 43078 Property Records

Champaign County property record for 538 E Ward St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,068 sqft · built 1900
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Last Sale	$17,500 (May 2010)
Tax Bill	$1,144 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`024626-2`

Property Details

APN / Parcel Number

Primary APN	`024626-2`
Alternative APN	`K48-25-00-03-13-009-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,068 sqft Living Area
Gross Area	1,152 sqft
1st Floor Area	732 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	160 ft deep x 45 ft wide
Porch	Slab
Porch Area	150 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	024626-2
Street Address	538 E WARD ST
City	URBANA
State	OH
Zip	43078-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 00-00-00 __ D C HITT ADDNLOT 9
Legal Subdivision	D C HITT ADDN
Legal Lot Number	9
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	4
Census Block	4012
Census Tract	10500

Owner

538 E Ward St is owned and occupied by an individual who bought it in May 2010.

Source: Champaign County records, as of July 14, 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	538 E WARD ST, URBANA, OH 43078-1725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 22, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jan 27, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2010 · Amount on File
Deed Sale	May 21, 2010 · Amount on File
Prior Sale	Feb 9, 2010 · Amount on File
Deed Document Number	20102004
Deed Book / Page	488 / 1719
Prior Transfer Date	Nov 17, 2006
Prior Transfer Doc	458/3412
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	538 E WARD ST, URBANA, OH 43078-1725
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	MAD RIV TITLE AGENCY, MAD RIVER TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3766 LUKENS RD, GROVE CITY, OH 43123-8804

Mortgage

Document Number	00601/5816
Date	Sep 2, 2025
Book Page	601/5816
Instrument	202500003353

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	538 E WARD ST, URBANA, OH 43078-1725
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 E WARD ST, URBANA, OH 43078-1725

Mortgage

Document Number	00602/1872
Date	Sep 22, 2025
Book Page	602/1872
Instrument	202500003709

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	910 CAMPISI WAY STE 2D, CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Jan 27, 2025
Property Address	538 E WARD ST, URBANA, OH 43078-1725
Document Number	00598/5489
Book / Page	598 / 5489
Map Reference	MB 8 PG 69
Instrument Date	Jan 22, 2025
Instrument	202500000257
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 E WARD ST, URBANA, OH 43078-1725

Tax Assessment & Valuation

The 2025 property tax bill for 538 E Ward St was $1,144, down 0.9% from the year before.

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	$1,144.00 (-0.87%)	$33,220 (+3.75%) Land $6,290 Building $26,930	$94,910 Land $17,960 Building $76,950
2024	$1,154.00 (-15.52%)	$32,020 (-) Land $5,750 Building $26,270
2023	$1,366.00 (-5.27%)	$32,020 (-) Land $5,750 Building $26,270	$91,470 (-) Land $16,420 Building $75,050
2022	$1,442.00	$32,020 Land $5,750 Building $26,270	$91,470 Land $16,420 Building $75,050

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 538 E Ward St in Zone X, an area of minimal flood risk.

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

The area around 538 E Ward St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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