802 N 7th St, Cambridge, OH 43725 Property Records

Guernsey County property record for 802 N 7th St, Cambridge, OH 43725

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,984 sqft · built 1900
Lot Size	0.154 acres (6,720 sqft)
Owner	2 Individual Names on File
Last Sale	$199,000 (Jan 2021)
Tax Bill	$2,898 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-0000854.000`

Property Details

APN / Parcel Number

Primary APN	`06-0000854.000`
Alternative APN	`002087-1`

Interior

Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,984 sqft Living Area
1st Floor Area	1,152 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Triplex
Construction Type	Frame
Roof Material	Shingle
Lot Area	6,720 sqft (0.154 acres)
Lot Dimensions	140 ft deep x 48 ft wide
Terrain	Rolling
Garage Area	400 sqft
Porch	Slab
Porch Area	192 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	002087-1
Street Address	802 N 7TH ST
City	CAMBRIDGE
State	OH
Zip	43725-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R3 T2 SA03-12 27 WATSON 1
Legal Range	03W
Legal Township	02N
Legal Section	03
Legal Subdivision	WATSON 1
Legal Tract	2
Legal Lot Number	27
Jurisdiction	GUERNSEY OH
Township / Civil Division	CAMBRIDGE
Census Block Group	3
Census Block	3030
Census Tract	977400

Owner

802 N 7th St is owned and occupied by two individuals who bought it in January 2021.

Source: Guernsey County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	802 N 7TH ST, CAMBRIDGE, OH 43725-1402
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 20, 2021	Survivorship Deed, Transfer · FHA Mortgage FIRST OHIO HOME FINANCE INC
Apr 25, 2017	Warranty Deed, Transfer · ARM THE COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2021 · Amount on File
Deed Sale	Jan 20, 2021 · Amount on File
Prior Sale	Apr 25, 2017 · Amount on File
Deed Document Number	2021376
Deed Book / Page	573 / 3220
Record Updated	Sep 20, 2026

January 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	GUERNSEY OH
Recording Date	Jan 20, 2021
Property Address	802 N 7TH ST, CAMBRIDGE, OH 43725-1402
Document Number	00573/3220
Book / Page	573 / 3220
Instrument Date	Jan 13, 2021
Instrument	202100000376
Transaction Type	Transfer
Record Updated	May 8, 2023
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

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	802 N 7TH ST, CAMBRIDGE, OH 43725-1402

Mortgage

Document Number	202100000377
Date	Jan 20, 2021
Instrument	202100000377

Lender

Name	FIRST OHIO HOME FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUERNSEY OH
Recording Date	Apr 25, 2017
Property Address	802 N 7TH ST, CAMBRIDGE, OH 43725-1402
Document Number	00546/1293
Book / Page	546 / 1293
Map Reference	VOL 530 PG 3109
Instrument Date	Apr 20, 2017
Instrument	201700002249
Transaction Type	Transfer
Record Updated	May 8, 2023
Title Company	ABC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$648.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	113 N 5TH ST, ZANESVILLE, OH 43701-3533

Mortgage

Document Number	00546/1296
Date	Apr 25, 2017
Book Page	546/1296
Instrument	201700002250

Lender

Name	THE COMMUNITY BANK
Type	Bank
Address	ZANESVILLE, OH 43701

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	May 1, 2022
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	6.87%
Index	1-Year T-Bill
Max Rate	10.8%

Tax Assessment & Valuation

The 2025 property tax bill for 802 N 7th St was $2,898 with a homeowner's exemption, down 1.3% from the year before.

Source: Guernsey County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Guernsey County
County Subdivision	Cambridge Township
Municipality	Cambridge City
Unified School District	Cambridge City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,898.00 (-1.33%) Homeowner's exemption	$58,799 (-) Land $7,493 Building $51,306
2024	$2,937.00 (+11.55%) Homeowner's exemption	$58,799 (+17.14%) Land $7,493 Building $51,306	$168,000 Land $21,410 Building $146,590
2023	$2,633.00 (+6%) Homeowner's exemption	$50,197 (-0.01%) Land $6,398 Building $43,799
2022	$2,484.00 Homeowner's exemption	$50,200 Land $6,400 Building $43,800	$143,430 (+0.01%) Land $18,290 Building $125,140
2021			$143,420 Land $18,280 Building $125,140

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 802 N 7th St in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective August 16, 2011 · 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	7 in force
Nearby Flood Claims	28 (1979–2026)
Claims Outside the SFHA	3 of 28
Most Recent Claim	Aug 2026 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2004 · 8 claims Severe Storms, Flooding, And Tornadoes, Jun 1998 · 9 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

Wildfire risk around 802 N 7th St is low, with 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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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	CITY OF CAMBRIDGE serves 10,520 people · EPA ID OH3000111
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2019 Total trihalomethanes resolved · Jan 2017
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 671 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Optimum.

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