10397 Rd 23J, Cloverdale, OH 45827 Property Records

Putnam County property record for 10397 Rd 23J, Cloverdale, OH 45827

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,664 sqft · built 1978
Lot Size	4.3 acres (187,308 sqft)
Owner	2 Individual Names on Record
Last Sale	$76,000 (Dec 2017)
Tax Bill	$2,325 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`40-025150.0100`

Property Details

APN / Parcel Number

Primary APN	`40-025150.0100`

Interior

Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,664 sqft Living Area
1st Floor Area	1,664 sqft
Basement Area	1,664 sqft
Finished Basement	780 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Roof Type	Hip
Roof Material	Shingle
Lot Area	187,308 sqft (4.3 acres)

Exterior Amenities

Porch	Slab
Porch Area	280 sqft
Lean-To	144 sqft
Poultry House	384 sqft
Pole Barn	1,536 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Connected
Water Source	Private

Location & Zoning

Street Address	10397 ROAD 23J
City	CLOVERDALE
State	OH
Zip	45827-9715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1N 5E 20 SWCOR S NE EX NPT
Legal Range	5E
Legal Township	1N
Legal Section	20
Jurisdiction	PUTNAM OH
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3068
Census Tract	30200

Owner

Source: Putnam 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	2 Individual Names on Record
Mailing Address	10397 ROAD 23J, CLOVERDALE, OH 45827-9715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage THE STATE BANK & TRUST CO
Jan 22, 2019	Deed of Trust, Mortgage · Commercial Mortgage THE STATE BANK & TRUST CO
Dec 28, 2017	Warranty Deed, Construction Loan · Construction Mortgage THE STATE BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2017 · Amount on Record
Deed Sale	Dec 28, 2017 · Amount on Record
Prior Sale	Dec 21, 2009 · Amount on Record
Deed Document Number	20175572
Deed Book / Page	695 / 1030
Last Transfer Date	Mar 20, 2020
Transfer Doc	00718/1753
Record Updated	Sep 20, 2026

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM OH
Recording Date	Mar 26, 2020
Property Address	10397 ROAD 23J, CLOVERDALE, OH 45827-9715
Document Number	00718/1753
Book / Page	718 / 1753
Instrument Date	Mar 20, 2020
Instrument	202000001263
Transaction Type	Transfer
Record Updated	Mar 14, 2022

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
Relationship	Right of Survivorship
Address	10397 ROAD 23J, CLOVERDALE, OH 45827-9715

Mortgage

Document Number	202000001264
Date	Mar 26, 2020
Instrument	202000001264

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	10397 ROAD 23J, CLOVERDALE, OH 45827-9715
Transaction Type	Mortgage
Record Updated	Jan 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	706/1056
Date	Jan 22, 2019
Book Page	706/1056
Instrument	201900000226

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 24, 2034

Interest

Rate Type	Adjustable Rate

December 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	PUTNAM OH
Recording Date	Dec 28, 2017
Property Address	10397 ROAD 23J, CLOVERDALE, OH 45827-9715
Document Number	00695/1030
Book / Page	695 / 1030
Instrument Date	Nov 17, 2017
Instrument	201700005572
Transaction Type	Construction Loan
Record Updated	Mar 14, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$304.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76835 R 66, OAKWOOD, OH 45873

Mortgage

Document Number	201700005573
Date	Dec 28, 2017
Instrument	201700005573

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jan 1, 2023
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	11.7%

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Putnam County
County Subdivision	Perry Township
Unified School District	Ottoville Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,325.00 (+2.56%)	$69,770 (-) Land $9,640 Building $60,130	$199,340 (-) Land $27,540 Building $171,800
2024	$2,267.00 (-0.22%)	$69,770 (+35.82%) Land $9,640 Building $60,130
2023	$2,272.00 (+14.52%) Additional exemption filed	$51,370 (-) Land $6,930 Building $44,440	$199,340 (+35.82%) Land $27,540 Building $171,800
2022	$1,984.00	$51,370 Land $6,930 Building $44,440
2020			$146,770 Land $19,800 Building $126,970

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 1, 2022

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ottoville Mutual Telephone Company Fiber	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

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