Champaign County property record for 963 Terry Ln, Urbana, OH 43078
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,190 sqft · built 1967 |
| Lot Size | 0.205 acres (8,968 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $136,000 (Oct 2020) |
| Tax Bill | $1,936 (2025) |
| Deeds & Mortgages | Nov 2006 Mortgage Apr 2015 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 025448-7 |
| Primary APN | 025448-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,190 sqft Living Area |
| 1st Floor Area | 1,190 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 8,968 sqft (0.205 acres) |
| Lot Dimensions | 118 ft deep x 76 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 216 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 025448-7 |
|---|---|
| Street Address | 963 TERRY LN |
| City | URBANA |
| State | OH |
| Zip | 43078-1268 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RTS 00-00-00 __ WALTERS SUB 3LOT 19 |
| Legal Subdivision | WALTERS SUB |
| Legal Lot Number | 19 |
| Jurisdiction | CHAMPAIGN OH |
| Township / Civil Division | URBANA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 10500 |
963 Terry Ln is owner-occupied and held in a trust since June 2024.
Source: Champaign County records, as of July 14, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 963 TERRY LN, URBANA, OH 43078-1268 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 27, 2006 | Deed of Trust, Mortgage FIFTH THIRD BANK OF WESTERN OHIO |
| Apr 1, 2015 | Deed of Trust, Mortgage · Line of Credit CIVISTA BANK |
| Oct 22, 2020 | Fiduciary Deed, Transfer · Conventional Mortgage LIBERTY HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2020 · Amount on File |
| Deed Sale | Oct 22, 2020 · Amount on File |
| Deed Document Number | 20204899 |
| Deed Book / Page | 574 / 553 |
| Last Transfer Date | Jun 13, 2024 |
| Transfer Doc | 00595/4834 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Property Address | 963 TERRY LN, URBANA, OH 43078-1268 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00458/3255 |
|---|---|
| Date | Nov 27, 2006 |
| Book Page | 458/3255 |
| Instrument | 200600007409 |
| Name | FIFTH THIRD BANK OF WESTERN OHIO |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Nov 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Property Address | 963 TERRY LN, URBANA, OH 43078-1268 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SVCS |
| Name | Verified Name |
|---|
| Document Number | 00530/2866 |
|---|---|
| Date | Apr 1, 2015 |
| Book Page | 530/2866 |
| Instrument | 201500001151 |
| Name | CIVISTA BANK |
|---|---|
| Address | SANDUSKY, OH 44870 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Mar 21, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | CHAMPAIGN OH |
| Recording Date | Oct 22, 2020 |
| Property Address | 963 TERRY LN, URBANA, OH 43078-1268 |
| Document Number | 000574/553 |
| Book / Page | 574 / 553 |
| Instrument Date | Oct 15, 2020 |
| Instrument | 202000004899 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 963 TERRY LN, URBANA, OH 43078-1268 |
| Document Number | 202000004900 |
|---|---|
| Date | Oct 22, 2020 |
| Instrument | 202000004900 |
| Name | LIBERTY HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 963 Terry Ln was $1,936, down 0.9% from the year before.
Source: Champaign County assessment roll, as of March 26, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Champaign County |
| County Subdivision | Urbana Township |
| Municipality | Urbana City |
| Unified School District | Urbana City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,936.00 (-0.92%) | $56,230 (+50.15%) Land $7,700 Building $48,530 | $160,670 Land $22,010 Building $138,660 |
| 2024 | $1,954.00 (+22.28%) | $37,450 (-) Land $4,880 Building $32,570 | |
| 2023 | $1,598.00 (-0.5%) | $37,450 (-) Land $4,880 Building $32,570 | $107,010 (-) Land $13,940 Building $93,070 |
| 2022 | $1,606.00 | $37,450 Land $4,880 Building $32,570 | $107,010 Land $13,940 Building $93,070 |
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.
FEMA maps place 963 Terry Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 12, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 6 (1979–2008) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jun 2008 · 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.
The area around 963 Terry Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 324 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 |
| Verizon Fixed Wireless | 300 / 20 |
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