644 W 1st St, Springfield, OH 45504 Property Records

Clark County property record for 644 W 1st St, Springfield, OH 45504

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 902 sqft · built 1937
Lot Size	0.152 acres (6,617 sqft)
Owner	2 Individual Names on Record
Last Sale	$118,000 (May 2022)
Tax Bill	$4,079 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`340-06-00006-418-009`

Property Details

APN / Parcel Number

Primary APN	`340-06-00006-418-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	902 sqft Living Area
1st Floor Area	902 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,617 sqft (0.152 acres)
Lot Dimensions	135 ft deep x 49 ft wide
Terrain	Above Road/Slope
View / Lot	Highway
Garage Type	Detached
Garage Area	240 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	54 sqft
Deck Area	275 sqft
Patio Area	275 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	644 W 1ST ST
City	SPRINGFIELD
State	OH
Zip	45504-1650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLS & DALES ALL 5
Legal Subdivision	HILLS & DALES
Legal Block	418
Legal Lot Number	9
Jurisdiction	CLARK OH
Township / Civil Division	SPRINGFIELD
Census Block Group	2
Census Block	2042
Census Tract	1900

Owner

Source: Clark County records, as of October 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	644 W 1ST ST, SPRINGFIELD, OH 45504-1650
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Sep 10, 2024	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
May 27, 2022	Warranty Deed, Transfer · FHA Mortgage PRIMELENDING
Sep 21, 2021	Warranty Deed, Transfer TEAM TITLE AND CLOSING SERVICES, TEAM TTL & CLOSING SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2022 · Amount on Record
Deed Sale	May 27, 2022 · Amount on Record
Prior Sale	Sep 21, 2021 · Amount on Record
Deed Document Number	20228011
Deed Book / Page	2210 / 2851
Prior Transfer Date	Nov 15, 2013
Prior Transfer Doc	0000021117
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARK OH
Recording Date	Jul 1, 2026
Property Address	644 W 1ST ST, SPRINGFIELD, OH 45504-1650
Document Number	0000008927
Book / Page	2271 / 564
Instrument Date	May 29, 2026
Instrument	20268927
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 W 1ST ST, SPRINGFIELD, OH 45504-1650

Mortgage

Document Number	0000008927,
Date	Jul 1, 2026
Book Page	2271/564
Instrument	20268927

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	478 Months
Due	May 1, 2066

Interest

Rate	6.3%
Max Rate	-1%

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARK OH
Property Address	644 W 1ST ST, SPRINGFIELD, OH 45504-1650
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 W 1ST ST, SPRINGFIELD, OH 45504-1650

Mortgage

Document Number	0000011152
Date	Sep 10, 2024
Book Page	2242/520
Instrument	202400011152

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Jun 1, 2052

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLARK OH
Recording Date	May 27, 2022
Property Address	644 W 1ST ST, SPRINGFIELD, OH 45504-1650
Document Number	0000008011
Book / Page	2210 / 2851
Map Reference	VOL 8 PG 10
Instrument Date	May 25, 2022
Instrument	202200008011
Transaction Type	Transfer
Record Updated	Jun 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	644 W 1ST ST, SPRINGFIELD, OH 45504-1650

Mortgage

Document Number	0000008012
Date	May 27, 2022
Instrument	202200008012

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLARK OH
Recording Date	Sep 21, 2021
Property Address	644 W 1ST ST, SPRINGFIELD, OH 45504-1650
Document Number	0000016475
Book / Page	2198 / 331
Map Reference	VOL 8 PG 10
Instrument Date	Sep 15, 2021
Instrument	202100016475
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	TEAM TITLE AND CLOSING SERVICES, TEAM TTL & CLOSING SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1199 SYLVAN SHORES DR, SOUTH VIENNA, OH 45369-8515

Tax Assessment & Valuation

Source: Clark County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Clark County
Municipality	Springfield City
Unified School District	Springfield City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,079.00 (+142.8%)	$46,440 (+40.09%) Land $7,410 Building $39,030	$132,670 (+40.07%) Land $21,160 Building $111,510
2024	$1,680.00 (+0.18%)
2023		$33,150 Land $6,880 Building $26,270
2022	$1,677.00		$94,720 Land $19,650 Building $75,070

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

Source: FEMA National Flood Hazard Layer, effective February 17, 2010 · 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 Claims	8 (1986–2013)
Most Recent Claim	Dec 2013 · river or lake flooding
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 2 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	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	SPRINGFIELD CITY PWS serves 60,680 people · EPA ID OH1204412
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 500 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
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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