597 E Light St, Urbana, OH 43078 Property Records

Champaign County property record for 597 E Light St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,014 sqft · built 1963
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Last Sale	$112,000 (Dec 2005)
Tax Bill	$2,087 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`025288-7`

Property Details

APN / Parcel Number

Primary APN	`025288-7`
Alternative APN	`K48-25-00-03-23-005-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,014 sqft Living Area
1st Floor Area	1,014 sqft
Basement Area	1,014 sqft
Unfinished Basement	1,014 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1980
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	200 ft deep x 36 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	392 sqft
Porch	Slab
Porch Area	50 sqft
Patio Area	380 sqft
Shed	1 Shed
Shed Area	80 sqft
Lean-To	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	025288-7
Street Address	597 E LIGHT ST
City	URBANA
State	OH
Zip	43078-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 00-00-00 __ J B SMITH 2ND ADDNW PT LOT 35
Legal Subdivision	J B SMITH 2ND ADDN
Legal Lot Number	35
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	3
Census Block	3010
Census Tract	10500

Owner

597 E Light St is owned and occupied by an individual who acquired it in September 2022.

Source: Champaign County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	597 E LIGHT ST, URBANA, OH 43078-1227
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Also Known As (AKA)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2005 · Amount on File
Deed Sale	Dec 9, 2005 · Amount on File
Deed Document Number	20058446
Deed Book / Page	448 / 944
Last Transfer Date	Sep 15, 2022
Transfer Doc	00587/2509
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Sep 21, 2022
Property Address	597 E LIGHT ST, URBANA, OH 43078-1227
Document Number	00587/2509
Book / Page	587 / 2509
Instrument Date	Sep 15, 2022
Instrument	202200004736
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	HALLMARK TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	597 E LIGHT ST, URBANA, OH 43078-1227

Mortgage

Document Number	00587/2511
Date	Sep 21, 2022
Book Page	587/2511
Instrument	202200004737

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	8.87%

Tax Assessment & Valuation

The 2025 property tax bill for 597 E Light St was $2,087 with a homeowner's exemption, down 0.9% from the year before.

Source: Champaign County assessment roll, as of March 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,087.00 (-0.95%)	$61,950 (+42.15%) Land $5,950 Building $56,000	$177,000 Land $16,990 Building $160,010
2024	$2,107.00 (+15.71%) Homeowner's exemption	$43,580 (-) Land $3,770 Building $39,810
2023	$1,821.00 (-2.57%) Homeowner's exemption	$43,580 (-) Land $3,770 Building $39,810	$124,490 (-) Land $10,760 Building $113,730
2022	$1,869.00	$43,580 Land $3,770 Building $39,810	$124,490 Land $10,760 Building $113,730

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 597 E Light St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective September 12, 2018 · 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	8 in force
Nearby Flood Claims	6 (1979–2008)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2008 · 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

Wildfire risk around 597 E Light St 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	URBANA CITY PWS serves 11,428 people · EPA ID OH1101212
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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 324 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
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20