545 Adams Ave, Huron, OH 44839 Property Records

Erie County property record for 545 Adams Ave, Huron, OH 44839

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,542 sqft · built 1920
Lot Size	0.312 acres (13,604 sqft)
Owner	Individual Name on File
Last Sale	$172,125 (Feb 2023)
Tax Bill	$3,422 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`42-00499-000`

Property Details

APN / Parcel Number

Primary APN	`42-00499-000`
Alternative APN	`002130-5`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,542 sqft Living Area
Gross Area	3,293 sqft
1st Floor Area	1,061 sqft
Upper Floors Area	480 sqft
Basement Area	1,271 sqft
Unfinished Basement	1,271 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	13,604 sqft (0.312 acres)
Lot Dimensions	23 ft deep x 118 ft wide
Garage Type	Detached
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	310 sqft
Patio Area	352 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water

Location & Zoning

Account Number	002130-5
Street Address	545 ADAMS AVE
City	HURON
State	OH
Zip	44839-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22 ADAMS AVE WH & OL 29 REAR OF LOT 22 .045A
Legal Subdivision	WILBOR & ADAMS SUBDIVISION
Legal Lot Number	22
Jurisdiction	ERIE OH
Township / Civil Division	HURON
Census Block Group	4
Census Block	4018
Census Tract	40500

Owner

545 Adams Ave is owned by an individual who bought it in February 2023.

Source: Erie County records, as of October 13, 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	517 LIBERTY DR, B, HURON, OH 44839-1531
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Feb 24, 2023	Survivorship Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2023 · Amount on File
Deed Sale	Feb 24, 2023 · Amount on File
Deed Document Number	20231251
Prior Transfer Date	May 4, 2009
Prior Transfer Doc	0000001538
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE OH
Recording Date	Oct 1, 2026
Property Address	545 ADAMS AVE, HURON, OH 44839-2505
Document Number	0000008523
Instrument Date	Sep 25, 2026
Instrument	20268523
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 ADAMS AVE, HURON, OH 44839-2505

Mortgage

Document Number	0000008523,
Date	Oct 1, 2026
Instrument	20268523

Lender

Name	CIVISTA BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	ERIE OH
Recording Date	Feb 24, 2023
Property Address	545 ADAMS AVE, HURON, OH 44839-2505
Document Number	0000001251
Map Reference	VOL 2 PG 19
Instrument Date	Feb 24, 2023
Instrument	202301251
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	FIDELITY NATIONAL TTL CO LLC

Transaction

Amount	Amount on Record
Tax	$688.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	545 ADAMS AVE, HURON, OH 44839-2505

Mortgage

Document Number	0000001252
Date	Feb 24, 2023
Instrument	202301252

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Mortgage

Document Number	0000001419
Date	Mar 2, 2023
Instrument	202301419

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 545 Adams Ave was $3,422, down 3.6% from the year before.

Source: Erie County assessment roll, as of March 31, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,422.00 (-3.63%)	$86,348 (-) Land $18,175 Building $68,173
2024	$3,551.00 (+27.14%)	$86,348 (+45.84%) Land $18,175 Building $68,173	$246,710 Land $51,930 Building $194,780
2023	$2,793.00 (+11.1%)	$59,209 (-0.01%) Land $15,666 Building $43,543
2022	$2,514.00	$59,216 Land $15,666 Building $43,550
2021			$169,170 Land $44,760 Building $124,410

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

FEMA maps place 545 Adams Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective April 5, 2023 · 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	3 in force
Nearby Flood Claims	6 (1980–1998)
Most Recent Claim	Apr 1998 · 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

Wildfire risk around 545 Adams Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 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	HURON CITY serves 6,893 people · EPA ID OH2201011
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber · Cable in parts of the area	10,000 / 10,000
Frontier Fiber	7,000 / 7,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Omni Fiber.

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