610 E Water St, Prospect, OH 43342 Property Records

Marion County property record for 610 E Water St, Prospect, OH 43342

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,632 sqft · built 1900
Lot Size	0.183 acres (7,974 sqft)
Owner	2 Individual Names on Record
Last Sale	$52,500 (Dec 2017)
Tax Bill	$2,344 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27-0020015.000`

Property Details

APN / Parcel Number

Primary APN	`27-0020015.000`
Alternative APN	`030008400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,632 sqft Living Area
1st Floor Area	1,016 sqft
Upper Floors Area	616 sqft
Flooring	Wood
Interior Walls	Block

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Roof Material	Slate
Lot Area	7,974 sqft (0.183 acres)
Lot Width	50.3 ft Width
Patio Area	224 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	610 E WATER ST
City	PROSPECT
State	OH
Zip	43342-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAST & DAVIS LOT 220 PG 10 101 2.00 150.00
Legal Subdivision	GAST & DAVIS
Legal Lot Number	220
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 15, 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	610 E WATER ST, PROSPECT, OH 43342-9725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Oct 10, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage MARION COMMUNITY CREDIT UNION
Aug 3, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MARION COMMUNITY CU INC
Dec 13, 2017	Survivorship Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2017 · Amount on Record
Deed Sale	Dec 13, 2017 · Amount on Record
Prior Sale	Mar 1, 2002
Deed Document Number	20178013
Deed Book / Page	1417 / 32
Prior Transfer Date	Jun 19, 2012
Prior Transfer Doc	0012190916
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION OH
Recording Date	May 7, 2026
Property Address	610 E WATER ST, PROSPECT, OH 43342-9725
Document Number	0000002638
Book / Page	1782 / 713
Instrument Date	May 1, 2026
Instrument	20262638
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E WATER ST, PROSPECT, OH 43342-9725

Mortgage

Document Number	0000002638,
Date	May 7, 2026
Book Page	1782/713
Instrument	20262638

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION OH
Property Address	610 E WATER ST, PROSPECT, OH 43342-9725
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E WATER ST, PROSPECT, OH 43342-9725

Mortgage

Document Number	0016740364
Date	Oct 10, 2023
Book Page	1674/364
Instrument	2023-05525

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 22, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION OH
Property Address	610 E WATER ST, PROSPECT, OH 43342-9725
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013930032
Date	May 15, 2017
Book Page	1393/032
Instrument	2017-02889

Lender

Name	MARION COMMUNITY CREDIT UNION
Address	MARION, OH 43302

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2032

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION OH
Property Address	610 E WATER ST, PROSPECT, OH 43342-9725
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014010817
Date	Aug 3, 2017
Book Page	1401/817
Instrument	2017-04714

Lender

Name	MARION COMMUNITY CU INC
Type	Credit Union
Address	MARION, OH 43302

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Jun 1, 2027

December 2017: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MARION OH
Recording Date	Dec 13, 2017
Property Address	610 E WATER ST, PROSPECT, OH 43342-9725
Document Number	0014170032
Book / Page	1417 / 032
Instrument Date	Nov 20, 2017
Instrument	2017-08013
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1035, DES MOINES, IA 50306

Mortgage

Document Number	201708014
Date	Dec 13, 2017
Instrument	2017-08014

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

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	$2,344.00 (+4.41%)	$57,140 (+25.55%) Land $9,290 Building $47,850	$163,250 (+25.55%) Land $26,540 Building $136,710
2024	$2,245.00 (+0.9%)	$45,510 (-) Land $9,740 Building $35,770
2023	$2,225.00 (-0.31%)	$45,510 (-) Land $9,740 Building $35,770
2022	$2,232.00	$45,510 Land $9,740 Building $35,770	$130,030 Land $27,830 Building $102,200

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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