539 Garfield Ave, Cambridge, OH 43725 Property Records

Guernsey County property record for 539 Garfield Ave, Cambridge, OH 43725

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,232 sqft
Lot Size	0.216 acres (9,430 sqft)
Owner	Individual Name on Record
Last Sale	$66,000 (Dec 2023)
Tax Bill	$1,456 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-0006426.000`

Property Details

APN / Parcel Number

Primary APN	`06-0006426.000`
Alternative APN	`002977-9`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Construction Type	Frame
Roof Material	Shingle
Lot Area	9,430 sqft (0.216 acres)
Lot Dimensions	205 ft deep x 46 ft wide
Garage Type	Attached
Garage Area	1,200 sqft
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	002977-9
Street Address	539 GARFIELD AVE
City	CAMBRIDGE
State	OH
Zip	43725-2823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R3 T2 SA03-21 22 SIEGFRIED 3
Legal Range	03W
Legal Township	02N
Legal Section	03
Legal Subdivision	SIEGFRIED 3
Legal Tract	2
Legal Lot Number	22
Jurisdiction	GUERNSEY OH
Township / Civil Division	CAMBRIDGE
Census Block Group	2
Census Block	2062
Census Tract	977300

Owner

Source: Guernsey County records, as of July 21, 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	539 GARFIELD AVE, CAMBRIDGE, OH 43725-2823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Dec 13, 2023	Quit Claim Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Mar 2, 2022	Land Contract, Transfer · Land Contract NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2023 · Amount on Record
Deed Sale	Dec 13, 2023 · Amount on Record
Deed Document Number	20237917
Deed Book / Page	593 / 5386
Prior Transfer Date	Dec 8, 2023
Prior Transfer Doc	00593/5383
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	539 GARFIELD AVE, CAMBRIDGE, OH 43725-2823
Transaction Type	Mortgage
Record Updated	Jan 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 GARFIELD AVE, CAMBRIDGE, OH 43725-2823

Mortgage

Document Number	00609/1816
Date	Dec 18, 2025
Book Page	609/1816
Instrument	202500008014

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2041

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GUERNSEY OH
Recording Date	Dec 13, 2023
Property Address	539 GARFIELD AVE, CAMBRIDGE, OH 43725-2823
Document Number	00593/5383
Book / Page	593 / 5383
Instrument Date	Dec 6, 2023
Instrument	202300007916
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	NORTHWEST TTL FAM OF COMPANI

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Investor	Possibly a Property Investor

Mortgage

Document Number	00593/5388
Date	Dec 13, 2023
Book Page	593/5388
Instrument	202300007918

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

March 2022: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	GUERNSEY OH
Recording Date	Mar 2, 2022
Property Address	539 GARFIELD AVE, CAMBRIDGE, OH 43725-2823
Document Number	00581/2344
Book / Page	581 / 2344
Instrument Date	Feb 28, 2022
Instrument	202200001227
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9184 INDIAN LAKE RD, 9184, BYESVILLE, OH 43723-9509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 GARFIELD AVE, CAMBRIDGE, OH 43725-2823

Mortgage

Date	Mar 2, 2022

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount Recorded
Term	23 Months
Due	Feb 1, 2024

Tax Assessment & Valuation

Source: Guernsey County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Guernsey County
County Subdivision	Cambridge Township
Municipality	Cambridge City
Unified School District	Cambridge City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,456.00 (-1.29%)	$28,910 (-) Land $4,396 Building $24,514
2024	$1,475.00 (+13.9%)	$28,910 (+17.15%) Land $4,396 Building $24,514	$82,600 (+17.16%) Land $12,560 Building $70,040
2023	$1,295.00 (+5.8%) Homeowner's exemption	$24,678 (+0.03%) Land $3,752 Building $20,926
2022	$1,224.00 Homeowner's exemption	$24,670 Land $3,750 Building $20,920	$70,500 (-0.01%) Land $10,720 Building $59,780
2021			$70,510 Land $10,720 Building $59,790

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 16, 2011 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	11 (1981–2004)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Sep 2004 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2004 · 3 claims Severe Storms, Flooding, And Tornadoes, Jun 1998 · 5 claims

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	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	CITY OF CAMBRIDGE serves 10,520 people · EPA ID OH3000111
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2019 Total trihalomethanes resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum, Smart Way Communications.

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