Allen County property record for 1085 Lutz Rd, Lima, OH 45801
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,680 sqft · built 1971 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $260,000 (May 2026) |
| Tax Bill | $2,675 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage May 2026 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 37-0503-01-006.000 |
| Primary APN | 37-0503-01-006.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| Gross Area | 3,744 sqft |
| 1st Floor Area | 1,680 sqft |
| Basement Area | 1,344 sqft |
| Family Room | Family Room |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 24,829 sqft (0.57 acres) |
| Lot Dimensions | 220 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Stoop |
| Porch Area | 48 sqft |
| Patio Area | 768 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1085 LUTZ RD |
|---|---|
| City | LIMA |
| State | OH |
| Zip | 45801-1245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SW1/4 JOINT TEN RTS 07-03-05 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | BATH |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 11302 |
1085 Lutz Rd is owned and occupied by two individuals who bought it in May 2026.
Source: Allen County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1085 LUTZ RD, LIMA, OH 45801-1245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Sep 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage LOWER LLC |
| May 7, 2026 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE RESEARCH CTR |
| Apr 18, 2022 | Survivorship Deed, Transfer |
| Jun 18, 2020 | Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK |
| Feb 21, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 6, 2017 | Grant Deed, Transfer · FHA Mortgage LIBERTY HM MTG |
| Feb 17, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2026 · Amount on File |
| Deed Sale | May 7, 2026 · Amount on File |
| Prior Sale | Apr 18, 2022 · Amount on File |
| Deed Document Number | 20264664 |
| Prior Transfer Date | Feb 13, 2019 |
| Prior Transfer Doc | 2210001559 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 1085 LUTZ RD, LIMA, OH 45801-1245 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 9200008175 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 2023/8175 |
| Instrument | 202309200008175 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | May 7, 2026 |
| Property Address | 1085 LUTZ RD, LIMA, OH 45801-1245 |
| Document Number | 0000004664 |
| Instrument Date | May 5, 2026 |
| Instrument | 2026.4664 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $78,780.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 1085 LUTZ RD, LIMA, OH 45801-1245 |
| Investor | Possibly a Property Investor |
| Document Number | 0000004665, |
|---|---|
| Date | May 7, 2026 |
| Instrument | 2026..4665 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Apr 18, 2022 |
| Property Address | 1085 LUTZ RD, LIMA, OH 45801-1245 |
| Document Number | 4180004480 |
| Book / Page | 2022 / 4480 |
| Instrument Date | Apr 15, 2022 |
| Instrument | 202204180004480 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1085 LUTZ RD, LIMA, OH 45801-1245 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 1085 LUTZ RD, LIMA, OH 45801-1245 |
| Document Number | 0000008554 |
| Instrument Date | Jun 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1085 LUTZ RD LIMA OH 458011245, LIMA, OH 45801-1245 |
| Document Number | 0000008554 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 8554 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 27, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Feb 21, 2019 |
| Property Address | 1085 LUTZ RD, LIMA, OH 45801-1245 |
| Document Number | 0000001559 |
| Instrument Date | Feb 13, 2019 |
| Instrument | 1559 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1085 LUTZ RD LIMA OH 458011245, LIMA, OH 45801-1245 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Sep 6, 2017 |
| Property Address | 1085 LUTZ RD, LIMA, OH 45801-1245 |
| Document Number | 0000009799 |
| Book / Page | 002017 / 009799 |
| Instrument Date | Aug 25, 2017 |
| Instrument | 9799 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2020 |
| Title Company | ALLODIAL TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4401 ROCKSIDE RD #310 INDEPENDENCE OH 441312147, 310, INDEPENDENCE, OH 44131-2147 |
| Document Number | 9800 |
|---|---|
| Date | Sep 6, 2017 |
| Instrument | 9800 |
| Name | LIBERTY HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, OH 44131 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 5, 2047 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Feb 17, 2017 |
| Property Address | 1085 LUTZ RD, LIMA, OH 45801-1245 |
| Document Number | 0170001736 |
| Instrument Date | Feb 17, 2017 |
| Instrument | 170001736 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 27, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $189.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 1085 Lutz Rd was $2,675, down 4.2% from the year before.
Source: Allen County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Allen County |
| County Subdivision | Bath Township |
| Unified School District | Bath Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,675.00 (-4.22%) | $60,870 (-) Land $7,560 Building $53,310 | $173,900 (-) Land $21,600 Building $152,300 |
| 2024 | $2,793.00 (+39.23%) | $60,870 (+40.03%) Land $7,560 Building $53,310 | $173,900 Land $21,600 Building $152,300 |
| 2023 | $2,006.00 (+1.16%) Homeowner's exemption | $43,470 (-) Land $5,390 Building $38,080 | |
| 2022 | $1,983.00 Homeowner's exemption | $43,470 Land $5,390 Building $38,080 | |
| 2021 | $124,200 Land $15,400 Building $108,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1085 Lutz Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 20, 2024 · 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 | 4 in force |
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 risk around 1085 Lutz Rd 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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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