Allen County property record for 109 W Main St, Cairo, OH 45820
| Property Type | Commercial |
|---|---|
| Details | 2,304 sqft · built 1920 |
| Lot Size | 0.116 acres (5,053 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $588 (2025) |
| Deeds & Mortgages | Oct 2022 Transfer Aug 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-3206-02-002.000 |
| Primary APN | 27-3206-02-002.000 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,304 sqft Gross Area |
| 1st Floor Area | 2,304 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Lot Area | 5,053 sqft (0.116 acres) |
| Lot Dimensions | 120 ft deep x 26 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Street Address | 109 W MAIN ST |
|---|---|
| City | CAIRO |
| State | OH |
| Zip | 45820 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | JAMES DOWNINGS ADDITION PT LOT 61 & PT VAC STREET FF 42.00 NSRNT |
| Legal Subdivision | JAMES DOWNINGS ADDITION |
| Legal Lot Number | 61 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 10200 |
109 W Main St, a commercial property, is owned by an individual who acquired it in August 2022.
Source: Allen County records, as of July 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 W MAIN ST, CAIRO, OH 45820 |
| 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.
| Date | Document |
|---|---|
| Oct 18, 2022 | Transfer on Death Deed, Transfer |
| Aug 3, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Aug 27, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 1988 |
| Deed Sale | Dec 30, 1988 |
| Last Transfer Date | Aug 3, 2022 |
| Transfer Doc | 0000009099 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Oct 18, 2022 |
| Property Address | 109 W MAIN ST, CAIRO, OH 45820 |
| Document Number | 10180012111 |
| Book / Page | 2022 / 12111 |
| Map Reference | MB 1 PG 38 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 202210180012111 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Aug 3, 2022 |
| Property Address | 109 W MAIN ST, CAIRO, OH 45820 |
| Document Number | 8030009099 |
| Book / Page | 2022 / 9099 |
| Map Reference | MB 1 PG 38 |
| Instrument Date | Aug 2, 2022 |
| Instrument | 202208030009099 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 W MAIN ST, CAIRO, OH 45820 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Aug 27, 2020 |
| Property Address | 109 W MAIN ST, CAIRO, OH 45820 |
| Document Number | 0000010221 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 10221 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $500.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 219 CAIRO OH 458200219, CAIRO, OH 45820-0219 |
The 2025 property tax bill for 109 W Main St was $588, down 0.7% from the year before.
Source: Allen County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Allen County |
| County Subdivision | Monroe Township |
| Municipality | Cairo Village |
| Unified School District | Bath Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $588.00 (-0.68%) | $10,610 (-) Land $1,050 Building $9,560 | $30,300 (-) Land $3,000 Building $27,300 |
| 2024 | $592.00 (-0.5%) | $10,610 (+10.18%) Land $1,050 Building $9,560 | $30,300 Land $3,000 Building $27,300 |
| 2023 | $595.00 (+0.34%) | $9,630 (-) Land $950 Building $8,680 | |
| 2022 | $593.00 | $9,630 Land $950 Building $8,680 | |
| 2021 | $27,500 Land $2,700 Building $24,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 W Main 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 risk around 109 W Main 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 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.
Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| MetaLINK Technologies Fixed Wireless | 500 / 100 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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