538 W Main St, Ashland, OH 44805 Property Records

Ashland County property record for 538 W Main St, Ashland, OH 44805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,326 sqft · built 1920
Lot Size	0.128 acres (5,602 sqft)
Owner	Individual Name on Record
Last Sale	$130,700 (Dec 2021)
Tax Bill	$1,286 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P43-044-0-0063-00`

Property Details

APN / Parcel Number

Primary APN	`P43-044-0-0063-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,326 sqft Living Area
1st Floor Area	702 sqft
2nd Floor Area	624 sqft
Upper Floors Area	624 sqft
Attic Area	624 sqft
Basement Area	624 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	5,602 sqft (0.128 acres)
Lot Dimensions	160 ft deep x 35 ft wide
Garage Area	170 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	184 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	538 W MAIN ST
City	ASHLAND
State	OH
Zip	44805-2058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	538 W MAIN ST R=44 LOT 331
Legal Lot Number	331
Jurisdiction	ASHLAND OH
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1005
Census Tract	970600

Owner

Source: Ashland County records, as of February 9, 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	538 W MAIN ST, ASHLAND, OH 44805-2058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 24, 2023	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2021 · Amount on Record
Deed Sale	Dec 17, 2021 · Amount on Record
Deed Document Number	1334
Deed Book / Page	603 / 340
Prior Transfer Date	Dec 30, 2008
Prior Transfer Doc	200800007541
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND OH
Property Address	538 W MAIN ST, ASHLAND, OH 44805-2058
Transaction Type	Mortgage
Record Updated	Mar 28, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 W MAIN ST, ASHLAND, OH 44805-2058

Mortgage

Document Number	00990/3005
Date	Mar 14, 2024
Book Page	990/3005
Instrument	202400001203

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Jan 1, 2052

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND OH
Property Address	538 W MAIN ST, ASHLAND, OH 44805-2058
Transaction Type	Mortgage
Record Updated	Sep 7, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 W MAIN ST, ASHLAND, OH 44805-2058

Mortgage

Document Number	00985/2973
Date	Apr 24, 2023
Book Page	985/2973
Instrument	202300001711

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Ashland County assessment roll, as of August 1, 2025

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	$1,286.00 Homeowner's exemption	$37,250 (-) Land $5,970 Building $31,280
2023	$1,286.00 (+9.17%)	$37,250 (+38.01%) Land $5,970 Building $31,280	$106,430 (+38.01%) Land $17,070 Building $89,360
2022	$1,178.00	$26,990 Land $4,330 Building $22,660
2020			$77,120 Land $12,370 Building $64,750

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

Source: FEMA National Flood Hazard Layer, effective August 18, 2009 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (1997–2011)
Most Recent Claim	Feb 2011 · river or lake flooding

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

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	0.01% annual chance
Exposure	Direct burnable vegetation

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 661 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

May also be available: Spectrum, Verizon.

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