652 E Ward St, Urbana, OH 43078 Property Records

Champaign County property record for 652 E Ward St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 962 sqft · built 1962
Lot Size	0.197 acres (8,580 sqft)
Owner	Individual Name on Record
Last Sale	$83,500 (Aug 2019)
Tax Bill	$1,517 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`024287-1`

Property Details

APN / Parcel Number

Primary APN	`024287-1`
Alternative APN	`K48-25-00-03-06-105-00`

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	962 sqft Living Area
1st Floor Area	962 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1970
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	8,580 sqft (0.197 acres)
Lot Dimensions	156 ft deep x 55 ft wide
Garage Type	Mixed
Garage Area	560 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	84 sqft
Deck Area	144 sqft
Patio Area	56 sqft
Canopy	296 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	024287-1
Street Address	652 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 171
Legal Subdivision	EAST LAWN ADDN
Legal Lot Number	171
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	1
Census Block	1024
Census Tract	10500

Owner

Source: Champaign County records, as of July 14, 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	Individual Name on Record
Mailing Address	652 E WARD ST, URBANA, OH 43078-1744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Deed of Trust, Mortgage · Commercial Mortgage THE PEOPLES SAVINGS BANK
Sep 10, 2025	Deed of Trust, Mortgage · Commercial Mortgage THE PEOPLES SAVINGS BANK
Aug 20, 2019	Warranty Deed, Transfer · Commercial Mortgage PERPETUAL FSB
Aug 8, 2018	Affidavit, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2019 · Amount on Record
Deed Sale	Aug 20, 2019 · Amount on Record
Deed Document Number	20193250
Deed Book / Page	567 / 1383
Prior Transfer Date	Jul 30, 2019
Prior Transfer Doc	567/1383
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	652 E WARD ST, URBANA, OH 43078-1744
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	CHAMPAIGN COUNTY TITLE AGENCY, CHAMPAIGN COUNTY OHIO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 E WARD ST, URBANA, OH 43078-1744

Mortgage

Document Number	00589/5594
Date	Apr 3, 2023
Book Page	589/5594
Instrument	202300001163

Lender

Name	THE PEOPLES SAVINGS BANK
Type	Bank
Address	URBANA, OH 43078

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	652 E WARD ST, URBANA, OH 43078-1744
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 E WARD ST, URBANA, OH 43078-1744

Mortgage

Document Number	000602/682
Date	Sep 10, 2025
Book Page	602/682
Instrument	202500003497

Lender

Name	THE PEOPLES SAVINGS BANK
Type	Bank
Address	10 MONUMENT SQ, URBANA, OH 43078

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Aug 20, 2019
Property Address	652 E WARD ST, URBANA, OH 43078-1744
Document Number	567/1383
Book / Page	567 / 1383
Instrument Date	Jul 30, 2019
Instrument	201900003250
Transaction Type	Transfer
Record Updated	May 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 E WARD ST, URBANA, OH 43078-1744

Mortgage

Document Number	201900003251
Date	Aug 20, 2019
Instrument	201900003251

Lender

Name	PERPETUAL FSB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

August 2018: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CHAMPAIGN OH
Recording Date	Aug 8, 2018
Property Address	652 E WARD ST, URBANA, OH 43078-1744
Document Number	00560/1629
Book / Page	560 / 1629
Instrument Date	Aug 8, 2018
Instrument	201800003431
Transaction Type	Transfer
Record Updated	Mar 6, 2026

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
Address	652 E WARD ST, URBANA, OH 43078-1744

Tax Assessment & Valuation

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	$1,517.00 (-0.98%)	$45,120 (+30.52%) Land $7,830 Building $37,290	$128,910 (+30.52%) Land $22,370 Building $106,540
2024	$1,532.00 (+6.17%) Homeowner's exemption	$34,570 (-) Land $5,660 Building $28,910
2023	$1,443.00 (-0.48%) Homeowner's exemption	$34,570 (-) Land $5,660 Building $28,910	$98,770 (-) Land $16,160 Building $82,610
2022	$1,450.00 Homeowner's exemption	$34,570 Land $5,660 Building $28,910	$98,770 Land $16,160 Building $82,610

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 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

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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