646 E Ward St, Urbana, OH 43078 Property Records

Champaign County property record for 646 E Ward St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,378 sqft · built 1962
Lot Size	0.197 acres (8,580 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Oct 2019)
Tax Bill	$1,929 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Mar 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`024288-4`

Property Details

APN / Parcel Number

Primary APN	`024288-4`
Alternative APN	`K48-25-00-03-06-106-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,378 sqft Living Area
Gross Area	952 sqft
1st Floor Area	1,378 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1970
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	8,580 sqft (0.197 acres)
Lot Dimensions	156 ft deep x 55 ft wide
Garage Type	Mixed
Garage Area	432 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	024288-4
Street Address	646 E WARD ST
City	URBANA
State	OH
Zip	43078-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 00-00-00 __ EAST LAWN ADDNLOT 170
Legal Subdivision	EAST LAWN ADDN
Legal Lot Number	170
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	1
Census Block	1024
Census Tract	10500

Owner

646 E Ward St is owned by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1505 EDINGER RD, URBANA, OH 43078-8771
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
Oct 24, 2019	Warranty Deed, Transfer · Conventional Mortgage THE PEOPLES SAVINGS BANK
Mar 5, 2019	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2019 · Amount on File
Deed Sale	Oct 24, 2019 · Amount on File
Prior Sale	Oct 22, 2004 · Amount on File
Deed Document Number	20194290
Deed Book / Page	568 / 1597
Prior Transfer Date	Feb 11, 2019
Prior Transfer Doc	565/0131
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Oct 24, 2019
Property Address	646 E WARD ST, URBANA, OH 43078-1744
Document Number	568/1597
Book / Page	568 / 1597
Instrument Date	Oct 18, 2019
Instrument	201900004290
Transaction Type	Transfer
Record Updated	May 27, 2021

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	646 E WARD ST, URBANA, OH 43078-1744

Mortgage

Document Number	201900004291
Date	Oct 24, 2019
Instrument	201900004291

Lender

Name	THE PEOPLES SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	337 Months
Due	Nov 1, 2047

March 2019: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Mar 5, 2019
Property Address	646 E WARD ST, URBANA, OH 43078-1744
Document Number	565/0131
Book / Page	565 / 0131
Instrument Date	Feb 11, 2019
Instrument	201900000804
Transaction Type	Transfer
Record Updated	May 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

Tax Assessment & Valuation

The 2025 property tax bill for 646 E Ward St was $1,929, 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	$1,929.00 (-0.92%)	$56,020 (+46.57%) Land $7,830 Building $48,190	$160,050 Land $22,370 Building $137,680
2024	$1,947.00 (+19.37%)	$38,220 (-) Land $5,660 Building $32,560
2023	$1,631.00 (-0.49%)	$38,220 (-) Land $5,660 Building $32,560	$109,200 (-) Land $16,160 Building $93,040
2022	$1,639.00	$38,220 Land $5,660 Building $32,560	$109,200 Land $16,160 Building $93,040

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 646 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 646 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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