604 E Water St, Prospect, OH 43342 Property Records

Marion County property record for 604 E Water St, Prospect, OH 43342

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,318 sqft · built 2012
Lot Size	0.18 acres (7,858 sqft)
Owner	2 Individual Names on Record
Last Sale	$26,000 (Jun 2010)
Tax Bill	$2,004 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-0020014.700`

Property Details

APN / Parcel Number

Primary APN	`27-0020014.700`
Alternative APN	`030008100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,318 sqft Living Area
Gross Area	1,799 sqft
1st Floor Area	1,062 sqft
Upper Floors Area	256 sqft
Basement Area	481 sqft
Flooring	Carpet
Interior Walls	Block

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Construction Type	Frame
Roof Material	Slate
Lot Area	7,858 sqft (0.18 acres)
Lot Width	48.3 ft Width
Garage Area	576 sqft
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	604 E WATER ST
City	PROSPECT
State	OH
Zip	43342-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAST & DAVIS LOT 217 PG 10 101 2.00 147.00
Legal Subdivision	GAST & DAVIS
Legal Lot Number	217
Jurisdiction	MARION OH
Township / Civil Division	PROSPECT
Census Block Group	1
Census Block	1027
Census Tract	10500

Owner

Source: Marion County records, as of May 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	604 E WATER ST, PROSPECT, OH 43342-9725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS NATIONAL BANK
Aug 6, 2018	Deed of Trust, Mortgage THE FIRST A NATIONAL BANKING ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2010 · Amount on Record
Deed Sale	Jun 1, 2010 · Amount on Record
Prior Sale	Jan 28, 2010 · Amount on Record
Deed Document Number	20102863
Deed Book / Page	1133 / 339
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION OH
Recording Date	Apr 23, 2026
Property Address	604 E WATER ST, PROSPECT, OH 43342-9725
Document Number	0000002319
Book / Page	1780 / 894
Instrument Date	Apr 10, 2026
Instrument	20262319
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST OHIO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 NORTH ST, PROSPECT, OH 43342-9306

Mortgage

Document Number	0000002319,
Date	Apr 23, 2026
Book Page	1780/894
Instrument	20262319

Lender

Name	FIRST CITIZENS NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 10, 2031

Interest

Rate	6.11%
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION OH
Property Address	604 E WATER ST, PROSPECT, OH 43342-9725
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014420871
Date	Aug 6, 2018
Book Page	1442/871
Instrument	2018-05449

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank
Address	PROSPECT, OH 43342

Agreement

Amount	Amount Recorded
Term	239 Months
Due	Jul 27, 2038

Tax Assessment & Valuation

Source: Marion County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Marion County
County Subdivision	Prospect Township
Municipality	Prospect Village
Unified School District	Elgin Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,004.00 (+8.74%)	$48,850 (+30.82%) Land $8,920 Building $39,930	$139,580 (+30.84%) Land $25,490 Building $114,090
2024	$1,843.00 (+0.93%)	$37,340 (-) Land $9,350 Building $27,990
2023	$1,826.00 (-0.33%)	$37,340 (-) Land $9,350 Building $27,990
2022	$1,832.00	$37,340 Land $9,350 Building $27,990	$106,680 Land $26,710 Building $79,970

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 October 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Nearby Flood Policies	44 in force
Nearby Flood Claims	82 (1978–2025)
Claims Outside the SFHA	7 of 82
Most Recent Claim	Apr 2025 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 12 claims Severe Storms And Flooding, Aug 1995 · 17 claims Severe Storms & Flooding, Jul 1987 · 7 claims

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	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	AQUA OHIO - MARION private · serves 47,102 people · EPA ID OH5100414
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	4 ppb (2021–2023) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Bresco Broadband, Verizon.

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