109 S High St, Pandora, OH 45877 Property Records

Putnam County property record for 109 S High St, Pandora, OH 45877

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 3,072 sqft · built 2013
Lot Size	0.18 acres (7,851 sqft)
Owner	2 Individual Names on File
Last Sale	$179,900 (Oct 2017)
Tax Bill	$1,870 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`49-040090.0000`

Property Details

APN / Parcel Number

Primary APN	`49-040090.0000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,072 sqft Living Area
1st Floor Area	1,136 sqft
Upper Floors Area	1,936 sqft
Basement Area	1,136 sqft
Unfinished Basement	1,136 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Construction Type	Wood
Roof Type	Hip
Roof Material	Shingle
Lot Area	7,851 sqft (0.18 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 S HIGH ST
City	PANDORA
State	OH
Zip	45877-5210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 00087 VAL INCL 49-0401.00
Legal Subdivision	THE H M DAYS ADDITION
Legal Lot Number	87
Jurisdiction	PUTNAM OH
Township / Civil Division	RILEY
Census Block Group	3
Census Block	3024
Census Tract	30400

Owner

109 S High St is owned and occupied by two individuals who acquired it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 252, PANDORA, OH 45877-0252
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
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage SUPERIOR CREDIT UNION
Mar 9, 2022	Warranty Deed, Transfer · Conventional Mortgage THE UNION BANK CO
Oct 6, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK OF THE MIDWEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2017 · Amount on File
Deed Sale	Oct 6, 2017 · Amount on File
Prior Sale	May 3, 2012 · Amount on File
Deed Document Number	20174248
Deed Book / Page	693 / 195
Last Transfer Date	Mar 9, 2022
Transfer Doc	000744/574
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM OH
Recording Date	Jul 14, 2026
Property Address	109 S HIGH ST, PANDORA, OH 45877-5210
Document Number	0000003041
Book / Page	789 / 235
Instrument Date	Jul 13, 2026
Instrument	20263041
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105,040.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

Mortgage

Document Number	0000003042,
Date	Jul 14, 2026
Instrument	20263042

Lender

Name	SUPERIOR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM OH
Recording Date	Mar 9, 2022
Property Address	109 S HIGH ST, PANDORA, OH 45877-5210
Document Number	000744/574
Book / Page	744 / 574
Instrument Date	Mar 9, 2022
Instrument	202200001034
Transaction Type	Transfer
Record Updated	Mar 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 S HIGH ST, PANDORA, OH 45877-5210

Mortgage

Document Number	202200001035
Date	Mar 9, 2022
Instrument	202200001035

Lender

Name	THE UNION BANK CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM OH
Recording Date	Oct 6, 2017
Property Address	109 S HIGH ST, PANDORA, OH 45877-5210
Document Number	00693/0195
Book / Page	693 / 0195
Instrument Date	Oct 5, 2017
Instrument	201700004248
Transaction Type	Transfer
Record Updated	Mar 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$719.60
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	109 HIGH ST, PANDORA, OH 45877-5210

Mortgage

Document Number	201700004249
Date	Oct 6, 2017
Instrument	201700004249

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 109 S High St was $1,870 with a homeowner's exemption, up 2.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Putnam County
County Subdivision	Riley Township
Municipality	Pandora Village
Unified School District	Pandora-Gilboa Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,870.00 (+2.75%) Homeowner's exemption	$63,390 (-) Land $7,390 Building $56,000	$180,500 Land $21,120 Building $159,380
2024	$1,820.00 (+0.78%) Homeowner's exemption	$63,390 (+33.93%) Land $7,390 Building $56,000
2023	$1,806.00 (+2.21%) Homeowner's exemption Additional exemption filed	$47,330 (-) Land $5,780 Building $41,550	$181,110 Land $21,110 Building $160,000
2022	$1,767.00	$47,330 Land $5,780 Building $41,550
2020			$135,220 Land $16,510 Building $118,710

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

FEMA maps place 109 S High St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective December 1, 2022 · 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	5 in force
Nearby Flood Claims	2 (1981)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 1981 · 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.

Wildfire

The area around 109 S High St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PANDORA VILLAGE PWS serves 1,204 people · EPA ID OH6900912
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TSC Fiber	1,000 / 1,000
MetaLINK Technologies Fixed Wireless	500 / 100
Buckeye Wireless Fixed Wireless	500 / 50
Watch TV Fixed Wireless	400 / 40
HDER Link Fixed Wireless	100 / 100

May also be available: Verizon.

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