545 E Prospect St, Girard, OH 44420 Property Records

Trumbull County property record for 545 E Prospect St, Girard, OH 44420

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,144 sqft · built 1918
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$72,000 (May 2003)
Tax Bill	$1,154 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-028640`

Property Details

APN / Parcel Number

Primary APN	`14-028640`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Upper Floors Area	572 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	140 ft deep x 37 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	198 sqft
Deck Area	292 sqft
Patio Area	292 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	545 E PROSPECT ST
City	GIRARD
State	OH
Zip	44420-2247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21 37.32F PROSPECT HTS PROSPECT ST
Legal Subdivision	PROSPECT HEIGHTS
Legal Lot Number	21
Jurisdiction	TRUMBULL OH
Township / Civil Division	LIBERTY
Census Block Group	1
Census Block	1002
Census Tract	932200

Owner

Source: Trumbull County records, as of April 23, 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	545 E PROSPECT ST, GIRARD, OH 44420-2247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Deed of Trust, Mortgage · Line of Credit SEVEN SEVENTEEN CU INC
Sep 30, 2019	Deed of Trust, Mortgage · Conventional with PMI CHEMICAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2003 · Amount on Record
Deed Sale	May 1, 2003 · Amount on Record
Prior Sale	Apr 13, 1994 · Amount on Record
Last Transfer Date	May 27, 2020
Transfer Doc	0000009379
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRUMBULL OH
Property Address	545 E PROSPECT ST, GIRARD, OH 44420-2247
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005219
Date	Mar 15, 2022
Instrument	202203150005219

Lender

Name	SEVEN SEVENTEEN CU INC
Type	Credit Union
Address	WARREN, OH 44483

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRUMBULL OH
Property Address	545 E PROSPECT ST, GIRARD, OH 44420-2247
Document Number	0000018592
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	PATRIOT TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 E PROSPECT ST GIRARD OH 444202247, GIRARD, OH 44420-2247

Mortgage

Document Number	0000018592
Date	Oct 4, 2019
Instrument	18592

Lender

Name	CHEMICAL BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Oct 3, 2029

Tax Assessment & Valuation

Source: Trumbull County assessment roll, as of April 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Trumbull County
County Subdivision	Liberty Township
Municipality	Girard City
Unified School District	Girard City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,154.00	$28,280 (-) Land $2,590 Building $25,690
2024	$1,154.00 (-1.95%)	$28,280 (-) Land $2,590 Building $25,690
2023	$1,177.00 (+22.1%)	$28,280 (+53.28%) Land $2,590 Building $25,690	$80,800 (+53.32%) Land $7,400 Building $73,400
2022	$964.00	$18,450 Land $2,590 Building $15,860
2020			$52,700 Land $7,400 Building $45,300

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 26, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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	GIRARD CITY serves 13,263 people · EPA ID OH7801103
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 460 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
T-Mobile Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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