540 Union St, Lancaster, OH 43130 Property Records

Fairfield County property record for 540 Union St, Lancaster, OH 43130

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,008 sqft · built 1920
Lot Size	0.158 acres (6,887 sqft)
Owner	Individual Name on Record
Tax Bill	$3,126 (2025)
Deeds & Mortgages	May 2024 Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`05-31148-200`

Property Details

APN / Parcel Number

Primary APN	`05-31148-200`
Alternative APN	`0105 00175`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,008 sqft Living Area
Gross Area	1,116 sqft
1st Floor Area	504 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1991
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Lot Area	6,887 sqft (0.158 acres)
Lot Dimensions	168 ft deep x 41 ft wide

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	210 sqft
Patio Area	96 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	540 UNION ST
City	LANCASTER
State	OH
Zip	43130-2921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARK ADD LOT 164
Legal Subdivision	PARK ADD
Legal Lot Number	164
Jurisdiction	FAIRFIELD OH
Township / Civil Division	LANCASTER CITY
Census Block Group	5
Census Block	5003
Census Tract	31700

Owner

Source: Fairfield County records, as of July 13, 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	3001 HACKBERRY RD, IRVING, TX 75063-0156
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jun 14, 2022	Warranty Deed, Transfer · FHA Mortgage THE HUNTINGTON NATIONAL BANK
May 24, 2022	Affidavit of Death of Joint Tenant, Transfer ESS TITLE AGENCY, ACCESS TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2022
Deed Sale	Jun 14, 2022
Prior Sale	Feb 26, 2010 · Amount on Record
Deed Document Number	202212409
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	540 UNION ST, LANCASTER, OH 43130-2921
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 UNION ST, LANCASTER, OH 43130-2921

Mortgage

Document Number	0000007800
Date	May 23, 2024
Instrument	202400007800

Lender

Name	US BANK NA
Type	Bank
Address	12800 TAMARACK ROAD, OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	May 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Jun 14, 2022
Property Address	540 UNION ST, LANCASTER, OH 43130-2921
Document Number	0000012409
Map Reference	MB 4 PG 4
Instrument Date	Apr 27, 2022
Instrument	202200012409
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	ACCESS TITLE AGENCY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 UNION ST, LANCASTER, OH 43130-2921

Mortgage

Document Number	0000012410
Date	Jun 14, 2022
Instrument	202200012410

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2052

Mortgage

Document Number	0000012411
Date	Jun 14, 2022
Instrument	202200012411

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	FAIRFIELD OH
Recording Date	May 24, 2022
Property Address	540 UNION ST, LANCASTER, OH 43130-2921
Document Number	0000010936
Map Reference	MB 4 PG 4
Instrument Date	Apr 27, 2022
Instrument	202200010936
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	ESS TITLE AGENCY, ACCESS TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 RAINBOW DR NE, LANCASTER, OH 43130-9194

Tax Assessment & Valuation

Source: Fairfield County assessment roll, as of February 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,126.00 (+194.91%) Homeowner's exemption	$34,780 (-0.86%) Land $10,690 Building $24,090	$99,360 (-0.87%) Land $30,540 Building $68,820
2023	$1,060.00 Homeowner's exemption Disabled Person's exemption	$35,080 (+1.65%) Land $6,490 Building $28,590
2022	Homeowner's exemption Disabled Person's exemption	$34,510 Land $6,490 Building $28,020	$100,230 Land $18,550 Building $81,680

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 December 11, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	28 (1985–2019)
Most Recent Claim	Feb 2019 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 5 claims Severe Storms, Tornadoes & Flooding, Jul 1992 · 2 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	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	LANCASTER CITY PWS serves 40,400 people · EPA ID OH2301012
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 457 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Glo Fiber, T-Mobile, Verizon.

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