635 E Ward St, Urbana, OH 43078 Property Records

Champaign County property record for 635 E Ward St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,156 sqft · built 1963
Lot Size	0.207 acres (9,020 sqft)
Owner	Individual Name on File
Last Sale	$104,900 (Aug 2011)
Tax Bill	$1,848 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`024270-3`

Property Details

APN / Parcel Number

Primary APN	`024270-3`
Alternative APN	`K48-25-00-03-06-088-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,156 sqft Living Area
1st Floor Area	1,156 sqft
Basement Area	1,024 sqft
Unfinished Basement	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1970
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	9,020 sqft (0.207 acres)
Lot Dimensions	164 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	132 sqft
Deck Area	64 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	024270-3
Street Address	635 E WARD ST
City	URBANA
State	OH
Zip	43078-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 00-00-00 __ EAST LAWN ADDNLOT 160
Legal Subdivision	EAST LAWN ADDN
Legal Lot Number	160
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	1
Census Block	1025
Census Tract	10500

Owner

635 E Ward St is owned and occupied by an individual who bought it in August 2011.

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

Owner of Record	Individual Name on File
Mailing Address	635 E WARD ST, URBANA, OH 43078-1743
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 10, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 13, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 15, 2019	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2011 · Amount on File
Deed Sale	Aug 5, 2011 · Amount on File
Deed Document Number	20113519
Deed Book / Page	498 / 3387
Prior Transfer Date	Aug 31, 2009
Prior Transfer Doc	483/1324
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	635 E WARD ST, URBANA, OH 43078-1743
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 E WARD ST, URBANA, OH 43078-1743

Mortgage

Document Number	000603/524
Date	Nov 4, 2025
Book Page	603/524
Instrument	202500004428

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD STE 175, BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	635 E WARD ST, URBANA, OH 43078-1743
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 E WARD ST, URBANA, OH 43078-1743

Mortgage

Document Number	00591/3627
Date	Aug 10, 2023
Book Page	591/3627
Instrument	202300002985

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	635 E WARD ST, URBANA, OH 43078-1743
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	573/5128
Date	Oct 13, 2020
Book Page	573/5128
Instrument	202000004681

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	635 E WARD ST, URBANA, OH 43078-1743
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	565/5235
Date	May 15, 2019
Book Page	565/5235
Instrument	201900001788

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 635 E Ward St was $1,848, 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	$1,848.00 (-0.91%)	$53,660 (+28.31%) Land $7,970 Building $45,690	$153,320 Land $22,770 Building $130,550
2024	$1,865.00 (+4.54%)	$41,820 (-) Land $5,760 Building $36,060
2023	$1,784.00 (-0.5%)	$41,820 (-) Land $5,760 Building $36,060	$119,470 (-) Land $16,450 Building $103,020
2022	$1,793.00	$41,820 Land $5,760 Building $36,060	$119,470 Land $16,450 Building $103,020

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 635 E Ward St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2008.

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	4 in force
Nearby Flood Claims	4 (2008–2020)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2020 · 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 635 E Ward 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 553 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

May also be available: CT Communications Network, Verizon.

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