645 E Kline St, Girard, OH 44420 Property Records

Trumbull County property record for 645 E Kline St, Girard, OH 44420

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,811 sqft · built 1949
Lot Size	0.339 acres (14,784 sqft)
Owner	2 Individual Names on File
Last Sale	$10,000 (Oct 2021)
Tax Bill	$2,379 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-471400`

Property Details

APN / Parcel Number

Primary APN	`14-471400`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,811 sqft Living Area
1st Floor Area	1,936 sqft
Upper Floors Area	843 sqft
Basement Area	648 sqft
Unfinished Basement	648 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	14,784 sqft (0.339 acres)
Lot Dimensions	147 ft deep x 60 ft wide
Garage Area	1,610 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	32 sqft
Deck Area	622 sqft
Patio Area	622 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	645 E KLINE ST
City	GIRARD
State	OH
Zip	44420-2327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	35B 100F .3394A PER SURVEY REPL L G LEASE PL 3 KLINE ST GIRARD CITY
Legal Subdivision	L G LEASE
Legal Lot Number	34A&35B
Jurisdiction	TRUMBULL OH
Township / Civil Division	LIBERTY
Census Block Group	1
Census Block	1028
Census Tract	932200

Owner

645 E Kline St is owned and occupied by two individuals who acquired it in February 2022.

Source: Trumbull County records, as of June 16, 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 File
Mailing Address	645 E KLINE ST, GIRARD, OH 44420-2327
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Mar 4, 2022	Intrafamily Transfer, Transfer
Oct 29, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 17, 2017	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2021 · Amount on File
Deed Sale	Oct 29, 2021 · Amount on File
Prior Sale	Apr 26, 1996 · Amount on File
Deed Document Number	202125343
Last Transfer Date	Feb 28, 2022
Transfer Doc	0000004381
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRUMBULL OH
Recording Date	Jun 5, 2026
Property Address	645 E KLINE ST, GIRARD, OH 44420-2327
Document Number	0000009680
Instrument Date	May 19, 2026
Instrument	20269680
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 E KLINE ST, GIRARD, OH 44420-2327

Mortgage

Document Number	0000009680,
Date	Jun 5, 2026
Instrument	20269680

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.23%
Max Rate	-1%

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TRUMBULL OH
Recording Date	Mar 4, 2022
Property Address	645 E KLINE ST, GIRARD, OH 44420-2327
Document Number	0000004381
Map Reference	DOC 202110290025342
Instrument Date	Feb 28, 2022
Instrument	202203040004381
Transaction Type	Transfer
Record Updated	Mar 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	645 E KLINE ST, GIRARD, OH 44420-2327

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TRUMBULL OH
Recording Date	Oct 29, 2021
Property Address	645 E KLINE ST, GIRARD, OH 44420-2327
Document Number	0000025343
Map Reference	DOC 202110290025342
Instrument Date	Sep 9, 2021
Instrument	202110290025343
Transaction Type	Transfer
Record Updated	Nov 12, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 E KLINE ST, GIRARD, OH 44420-2327

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TRUMBULL OH
Property Address	645 E KLINE ST, GIRARD, OH 44420-2327
Document Number	0000002479
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Feb 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 E KLINE ST GIRARD OH 444202327, GIRARD, OH 44420-2327

Mortgage

Document Number	0000002479
Date	Feb 12, 2018
Instrument	2479

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 645 E Kline St was $2,379.

Source: Trumbull County assessment roll, as of April 23, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Trumbull County
County Subdivision	Liberty Township
Municipality	Girard City
Unified School District	Girard City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,379.00	$56,700 (-) Land $6,930 Building $49,770
2024	$2,379.00 (-1.98%)	$56,700 (-) Land $6,930 Building $49,770
2023	$2,427.00 (+14.16%)	$56,700 (+43.36%) Land $6,930 Building $49,770	$162,000 Land $19,800 Building $142,200
2022	$2,126.00	$39,550 Land $6,930 Building $32,620
2020			$113,000 Land $19,800 Building $93,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 645 E Kline St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 26, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 645 E Kline 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 97% of the US · lower than 85% 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	GIRARD CITY serves 13,263 people · EPA ID OH7801103
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
T-Mobile Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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