851 Scioto St, Urbana, OH 43078 Property Records

Champaign County property record for 851 Scioto St, Urbana, OH 43078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,057 sqft · built 1957
Lot Size	0.33 acres (14,400 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Oct 2025)
Tax Bill	$2,275 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2010 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`023201-4`

Property Details

APN / Parcel Number

Primary APN	`023201-4`
Alternative APN	`K48-25-00-02-08-011-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,057 sqft Living Area
1st Floor Area	1,057 sqft
Basement Area	1,057 sqft
Unfinished Basement	1,057 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1980
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	14,400 sqft (0.33 acres)
Lot Dimensions	180 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	72 sqft
Deck Area	300 sqft
Patio Area	300 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	023201-4
Street Address	851 SCIOTO ST
City	URBANA
State	OH
Zip	43078-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RTS 00-00-00 __ EICHELBERGER HOMESTEADLOT 11
Legal Subdivision	EICHELBERGER HOMESTEAD
Legal Lot Number	11
Jurisdiction	CHAMPAIGN OH
Township / Civil Division	URBANA
Census Block Group	1
Census Block	1001
Census Tract	10600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	851 SCIOTO ST, URBANA, OH 43078-2223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · Commercial Mortgage THE PEOPLES SAVINGS BANK
Jul 19, 2010	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY SAVINGS BANK FSB
Oct 24, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 24, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 5, 2013	Warranty Deed, Transfer · Line of Credit WRIGHT-PATT CREDIT UNION INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2025 · Amount on Record
Deed Sale	Oct 24, 2025 · Amount on Record
Prior Sale	Aug 5, 2013 · Amount on Record
Deed Document Number	20254289
Deed Book / Page	602 / 5602
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	851 SCIOTO ST, URBANA, OH 43078-2223
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	851 SCIOTO ST, URBANA, OH 43078-2223

Mortgage

Document Number	00602/5225
Date	Oct 21, 2025
Book Page	602/5225
Instrument	202500004223

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Nov 1, 2053

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAMPAIGN OH
Property Address	851 SCIOTO ST, URBANA, OH 43078-2223
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00489/3081
Date	Jul 19, 2010
Book Page	489/3081
Instrument	201000002961

Lender

Name	LIBERTY SAVINGS BANK FSB
Type	Bank
Address	WILMINGTON, OH 45177

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2040

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Oct 24, 2025
Property Address	851 SCIOTO ST, URBANA, OH 43078-2223
Document Number	00602/5602
Book / Page	602 / 5602
Map Reference	CAB 1 PG 363
Instrument Date	Oct 10, 2025
Instrument	202500004289
Transaction Type	Transfer
Record Updated	Nov 13, 2025
Title Company	VANTAGE LAND TITLE, VANTAGE LAND TITLE INC

Transaction

Amount	Amount Recorded
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
Address	851 SCIOTO ST, URBANA, OH 43078-2223
Investor	Possibly a Property Investor

Mortgage

Document Number	202500004290
Date	Oct 24, 2025
Instrument	202500004290

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Oct 24, 2025
Property Address	851 SCIOTO ST, URBANA, OH 43078-2223
Document Number	00602/5602
Book / Page	602 / 5602
Map Reference	CAB 1 PG 363
Instrument Date	Oct 10, 2025
Instrument	202500004289
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	VANTAGE LAND TITLE, VANTAGE LAND TITLE INC

Transaction

Amount	Amount Recorded
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
Address	851 SCIOTO ST, URBANA, OH 43078-2223
Investor	Possibly a Property Investor

Mortgage

Document Number	202500004290
Date	Oct 24, 2025
Instrument	202500004290

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN OH
Recording Date	Aug 5, 2013
Property Address	851 SCIOTO ST, URBANA, OH 43078-2223
Document Number	517/2208
Book / Page	517 / 2208
Instrument Date	Jul 16, 2013
Instrument	201300003890
Transaction Type	Transfer
Record Updated	May 27, 2021

Transaction

Amount	Amount Recorded
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
Address	851 SCIOTO ST, URBANA, OH 43078-2223

Mortgage

Document Number	00517/2210
Date	Aug 5, 2013
Book Page	517/2210
Instrument	201300003891

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	FAIRBORN, OH 45324

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2043

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	$2,275.00 (-0.96%)	$67,630 (+41.25%) Land $11,560 Building $56,070	$193,250 (+41.26%) Land $33,040 Building $160,210
2024	$2,297.00 (+14.96%) Homeowner's exemption	$47,880 (-) Land $9,730 Building $38,150
2023	$1,998.00 (-0.55%) Homeowner's exemption	$47,880 (-) Land $9,730 Building $38,150	$136,800 (-) Land $27,790 Building $109,010
2022	$2,009.00 Homeowner's exemption	$47,880 Land $9,730 Building $38,150	$136,800 Land $27,790 Building $109,010

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

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

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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40

May also be available: Brightspeed, CT Communications Network, Verizon.

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