1043 S Union St, Lima, OH 45804 Property Records

Allen County property record for 1043 S Union St, Lima, OH 45804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 2003
Lot Size	0.239 acres (10,411 sqft)
Owner	Individual Name on File
Last Sale	$2,300 (Aug 1997)
Tax Bill	$654 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`47-0607-09-009.000`

Property Details

APN / Parcel Number

Primary APN	`47-0607-09-009.000`
Alternative APN	`M3847060709009000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Family Room	Family Room

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,411 sqft (0.239 acres)
Lot Dimensions	160 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	96 sqft
Deck Area	80 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	1043 S UNION ST
City	LIMA
State	OH
Zip	45804-2062
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HUGHES FIRST ADDITION LOT 2056 & PT 2055 & 5 FT PRI ALY FF 65.00
Legal Subdivision	HUGHES FIRST ADDITION
Legal Lot Number	2055
Jurisdiction	ALLEN OH
Township / Civil Division	LIMA
Census Block Group	1
Census Block	1003
Census Tract	13800

Owner

1043 S Union St is owned and occupied by an individual who acquired it in February 2022.

Source: Allen County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1043 S UNION ST, LIMA, OH 45804-2062
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
Jun 15, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PANA
Feb 24, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 1997 · Amount on File
Deed Sale	Aug 7, 1997 · Amount on File
Prior Sale	Aug 1, 1979
Last Transfer Date	Feb 22, 2022
Transfer Doc	0000002194
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Recording Date	Jun 15, 2026
Property Address	1043 S UNION ST, LIMA, OH 45804-2062
Document Number	0000006236
Instrument Date	Jun 5, 2026
Instrument	20266236
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1043 S UNION ST, LIMA, OH 45804-2062

Mortgage

Document Number	0000006236,
Date	Jun 15, 2026
Instrument	20266236

Lender

Name	FIRST NATIONAL BANK OF PANA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 5, 2031

Interest

Rate	6.37%
Max Rate	-1%

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEN OH
Recording Date	Feb 24, 2022
Property Address	1043 S UNION ST, LIMA, OH 45804-2062
Document Number	2240002194
Book / Page	2022 / 2194
Map Reference	MB 3 PG 32
Instrument Date	Feb 22, 2022
Instrument	202202240002194
Transaction Type	Transfer
Record Updated	Mar 7, 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
Address	1043 S UNION ST, LIMA, OH 45804-2062

Tax Assessment & Valuation

The 2025 property tax bill for 1043 S Union St was $654, up 0.2% from the year before.

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
Municipality	Lima City
Unified School District	Lima City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$654.00 (+0.15%)	$16,740 (-) Land $1,650 Building $15,090	$47,800 (-) Land $4,700 Building $43,100
2024	$653.00 (-7.24%)	$16,740 (+5.08%) Land $1,650 Building $15,090	$47,800 Land $4,700 Building $43,100
2023	$704.00 (-0.42%)	$15,930 (-) Land $1,580 Building $14,350
2022	$707.00	$15,930 Land $1,580 Building $14,350
2021			$45,500 Land $4,500 Building $41,000

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

Flood

FEMA maps place 1043 S Union St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 20, 2024

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

Wildfire risk around 1043 S Union St is low, with less than 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 98% of the US · lower than 90% 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	LIMA CITY serves 65,619 people · EPA ID OH0200811
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2026 Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Dec 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: TSC.

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