Champaign County property record for 603 E Light St, Urbana, OH 43078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 880 sqft · built 1962 |
| Lot Size | 0.225 acres (9,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $199,000 (Jan 2026) |
| Tax Bill | $986 (2025) |
| Deeds & Mortgages | Jul 2005 Mortgage Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 025286-1 |
| Primary APN | 025286-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 880 sqft Living Area |
| 1st Floor Area | 880 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 9,800 sqft (0.225 acres) |
| Lot Dimensions | 200 ft deep x 49 ft wide |
| Garage Type | Attached |
| Garage Area | 390 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 32 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 025286-1 |
|---|---|
| Street Address | 603 E LIGHT ST |
| City | URBANA |
| State | OH |
| Zip | 43078-1229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RTS 00-00-00 __ J B SMITH 2ND ADDNLOT 36 |
| Legal Subdivision | J B SMITH 2ND ADDN |
| Legal Lot Number | 36 |
| Jurisdiction | CHAMPAIGN OH |
| Township / Civil Division | URBANA |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 10500 |
603 E Light St is owned and occupied by an individual who bought it in January 2026.
Source: Champaign County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 603 E LIGHT ST, URBANA, OH 43078-1229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 7, 2005 | Deed of Trust, Mortgage THE PEOPLES SAVINGS BANK |
| Jan 7, 2026 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 7, 2026 · Amount on File |
| Deed Sale | Jan 7, 2026 · Amount on File |
| Prior Sale | Jul 28, 2025 · Amount on File |
| Deed Document Number | 202659 |
| Deed Book / Page | 604 / 244 |
| Prior Transfer Date | Jan 3, 2008 |
| Prior Transfer Doc | 469/1857 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Property Address | 603 E LIGHT ST, URBANA, OH 43078-1229 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00442/2414 |
|---|---|
| Date | Jul 7, 2005 |
| Book Page | 442/2414 |
| Instrument | 200500004444 |
| Name | THE PEOPLES SAVINGS BANK |
|---|---|
| Address | URBANA, OH 43078 |
| Amount | Amount on Record |
|---|---|
| Term | 121 Months |
| Due | Aug 1, 2015 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Recording Date | Jan 7, 2026 |
| Property Address | 603 E LIGHT ST, URBANA, OH 43078-1229 |
| Document Number | 000604/244 |
| Book / Page | 604 / 244 |
| Instrument Date | Dec 26, 2025 |
| Instrument | 202600000059 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Title Company | HOME SERVICES TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 603 E LIGHT ST, URBANA, OH 43078-1229 |
| Document Number | 202600000060 |
|---|---|
| Date | Jan 7, 2026 |
| Instrument | 202600000060 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
The 2025 property tax bill for 603 E Light St was $986 with exemptions applied, down 1.3% from the year before.
Source: Champaign County assessment roll, as of March 26, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Champaign County |
| County Subdivision | Urbana Township |
| Municipality | Urbana City |
| Unified School District | Urbana City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $986.00 (-1.3%) | $39,570 (+42.03%) Land $8,090 Building $31,480 | $113,070 Land $23,120 Building $89,950 |
| 2024 | $999.00 (+28.08%) Homeowner's exemption Senior Citizen's exemption | $27,860 (-) Land $5,130 Building $22,730 | |
| 2023 | $780.00 (-2.74%) Homeowner's exemption Senior Citizen's exemption | $27,860 (-) Land $5,130 Building $22,730 | $79,600 (-) Land $14,650 Building $64,950 |
| 2022 | $802.00 Homeowner's exemption Senior Citizen's exemption | $27,860 Land $5,130 Building $22,730 | $79,600 Land $14,650 Building $64,950 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 603 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 risk around 603 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.
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 |
| 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.
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 |
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