543 Baldwin Dr, Howard, OH 43028 Property Records

Knox County property record for 543 Baldwin Dr, Howard, OH 43028

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,056 sqft · built 1989
Lot Size	0.376 acres (16,379 sqft)
Owner	Individual Name on Record
Tax Bill	$1,883 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-00408.000`

Property Details

APN / Parcel Number

Primary APN	`22-00408.000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Finished Basement	528 sqft
Unfinished Basement	528 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	16,379 sqft (0.376 acres)
Lot Dimensions	231 ft deep x 71 ft wide
Garage Type	Basement
Garage Area	1 sqft
Parking Spaces	1 Parking Space
Patio Area	281 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Electric

Location & Zoning

Street Address	543 BALDWIN DR
City	HOWARD
State	OH
Zip	43028-9581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	APPLE VALLEY LOT #408
Legal Subdivision	APPLE VALLEY SECTION
Legal Lot Number	408
Jurisdiction	KNOX OH
Township / Civil Division	HOWARD
Census Block Group	2
Census Block	2019
Census Tract	6801

Owner

Source: Knox County records, as of July 28, 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	543 BALDWIN DR, HOWARD, OH 43028-9581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Quit Claim Deed, Transfer · FHA Mortgage RUOFF MORTGAGE CO
Jun 4, 2020	Deed of Trust, Mortgage FREEDOM MTG
Sep 17, 2019	Warranty Deed, Transfer · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2021
Deed Sale	Dec 8, 2021
Prior Sale	Sep 17, 2019 · Amount on Record
Deed Document Number	202112377
Deed Book / Page	1896 / 120
Prior Transfer Date	Nov 5, 2021
Prior Transfer Doc	0000012377
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KNOX OH
Recording Date	Dec 8, 2021
Property Address	543 BALDWIN DR, HOWARD, OH 43028-9581
Document Number	0000012377
Book / Page	1896 / 120
Instrument Date	Nov 5, 2021
Instrument	20210-00012377
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 BALDWIN DR, HOWARD, OH 43028-9581

Mortgage

Document Number	0000012378
Date	Dec 8, 2021
Instrument	20210-00012378

Lender

Name	RUOFF MORTGAGE CO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KNOX OH
Property Address	543 BALDWIN DR, HOWARD, OH 43028-9581
Document Number	0017830019
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Aug 5, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	543 BALDWIN DR HOWARD OH 430289581, HOWARD, OH 43028-9581

Mortgage

Document Number	0017830019
Date	Jun 11, 2020
Book Page	001783/000019
Instrument	4400

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KNOX OH
Recording Date	Sep 17, 2019
Property Address	543 BALDWIN DR, HOWARD, OH 43028-9581
Document Number	0017400911
Book / Page	001740 / 000911
Instrument Date	Sep 16, 2019
Instrument	6999
Transaction Type	Transfer
Record Updated	Oct 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$389.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	543 BALDWIN DR HOWARD OH 430289581, HOWARD, OH 43028-9581

Mortgage

Document Number	17400912
Date	Sep 17, 2019
Book Page	001740/000912
Instrument	7000

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2049

Tax Assessment & Valuation

Source: Knox County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Knox County
County Subdivision	Howard Township
Unified School District	East Knox Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026			$147,720 (-) Land $14,040 Building $133,680
2025	$1,883.00 (-9.56%)	$51,700 (-) Land $4,910 Building $46,790
2024	$2,082.00 (+0.39%)	$51,700 (-) Land $4,910 Building $46,790
2023	$2,074.00 (+24.12%)	$51,700 (+44.98%) Land $4,910 Building $46,790	$147,720 (+45.01%) Land $14,040 Building $133,680
2022	$1,671.00	$35,660 Land $3,390 Building $32,270
2020			$101,870 Land $9,680 Building $92,190

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 7, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2010–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2014 · rainfall accumulation

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	KNOX COUNTY WATER AND WASTEWATER PWS private · serves 8,250 people · EPA ID OH4202012
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	2 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	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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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