641 N Cherry St, Kenton, OH 43326 Property Records

Hardin County property record for 641 N Cherry St, Kenton, OH 43326

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,792 sqft · built 1998
Lot Size	0.215 acres (9,374 sqft)
Owner	Individual Name on File
Last Sale	$138,300 (Nov 2002)
Tax Bill	$3,022 (2025)
Deeds & Mortgages	Jan 2020 Second Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-650039.0000`

Property Details

APN / Parcel Number

Primary APN	`36-650039.0000`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,792 sqft Living Area
1st Floor Area	1,556 sqft
Upper Floors Area	768 sqft
Attic	Attic
Attic Area	768 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,374 sqft (0.215 acres)
Lot Dimensions	109 ft deep x 86 ft wide
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	641 N CHERRY ST
City	KENTON
State	OH
Zip	43326-1385
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WAYNE HTS 12-13
Legal Subdivision	WAYNE HTS
Jurisdiction	HARDIN OH
Township / Civil Division	PLEASANT
Census Block Group	2
Census Block	2020
Census Tract	200

Owner

641 N Cherry St is owned and occupied by an individual who bought it in November 2002.

Source: Hardin County records, as of March 31, 2026

Owner of Record	Individual Name on File
Mailing Address	641 N CHERRY ST, KENTON, OH 43326-1385
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
Jan 10, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Feb 10, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIZENS FSLA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2002 · Amount on File
Deed Sale	Nov 21, 2002 · Amount on File
Prior Sale	Aug 23, 2002 · Amount on File
Prior Transfer Date	Apr 7, 1997
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN OH
Property Address	641 N CHERRY ST, KENTON, OH 43326-1385
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00555/1309
Date	Jan 10, 2020
Book Page	555/1309
Instrument	202000000075

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2050

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDIN OH
Recording Date	Feb 10, 2022
Property Address	641 N CHERRY ST, KENTON, OH 43326-1385
Document Number	00563/5322
Book / Page	563 / 5322
Instrument Date	Feb 7, 2022
Instrument	202200000555
Transaction Type	Transfer
Record Updated	Aug 25, 2022

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	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship

Mortgage

Document Number	202200000556
Date	Feb 10, 2022
Instrument	202200000556

Lender

Name	CITIZENS FSLA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

The 2025 property tax bill for 641 N Cherry St was $3,022, down 2.5% from the year before.

Source: Hardin County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hardin County
County Subdivision	Pleasant Township
Municipality	Kenton City
Unified School District	Kenton City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,022.00 (-2.55%)	$70,760 (-) Land $3,070 Building $67,690
2024	$3,101.00 (+5.44%)	$70,760 (-) Land $3,070 Building $67,690
2023	$2,941.00 (+16.48%)	$70,760 (+11.54%) Land $3,070 Building $67,690	$202,170 Land $8,770 Building $193,400
2022	$2,525.00 Homeowner's exemption Senior Citizen's exemption	$63,440 Land $2,690 Building $60,750
2020			$181,260 Land $7,690 Building $173,570

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 641 N Cherry St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 9, 2024 · 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	1 in force

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

The area around 641 N Cherry St has no burnable land within ember reach, so its wildfire risk is not rated.

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	KENTON CITY serves 8,360 people · EPA ID OH3300612
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Oct 2023
Monitoring and Reporting	5 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 491 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
HDER Link Fixed Wireless	100 / 100

May also be available: Verizon.

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