110 Second St, Clay Center, OH 43408 Property Records

Ottawa County property record for 110 Second St, Clay Center, OH 43408

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,393 sqft · built 1938
Lot Size	0.34 acres (14,802 sqft)
Owner	Individual Name on File
Last Sale	$124,500 (Mar 2022)
Tax Bill	$2,114 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`003403-4`

Property Details

APN / Parcel Number

Primary APN	`003403-4`
Alternative APN	`002-00820-01016-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,393 sqft Living Area
1st Floor Area	1,393 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	14,802 sqft (0.34 acres)
Lot Dimensions	148 ft deep x 100 ft wide

Exterior Amenities

Porch	Porch
Porch Area	102 sqft
Deck Area	216 sqft
Patio Area	216 sqft
Pole Barn	1,920 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	003403-4
Street Address	110 SECOND ST
City	CLAY CENTER
State	OH
Zip	43408-7703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S16 T07 R13 W 148 FT S OF LOT 4 BLK 1 OF TOWN PLAT
Legal Range	13E
Legal Township	07N
Legal Section	16
Legal Subdivision	ORIG
Legal Block	1
Legal Lot Number	4
Jurisdiction	OTTAWA OH
Township / Civil Division	ALLEN
Census Block Group	3
Census Block	3039
Census Tract	51100

Owner

110 Second St is owned and occupied by an individual who bought it in March 2022.

Source: Ottawa County records, as of April 22, 2026

Owner of Record	Individual Name on File
Mailing Address	110 SECOND ST, CLAY CENTER, OH 43408-7703
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
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage SUN FEDERAL CREDIT UNION
Mar 9, 2022	Executor's Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 16, 2019	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Feb 5, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2022 · Amount on File
Deed Sale	Mar 9, 2022 · Amount on File
Prior Sale	May 16, 2019 · Amount on File
Deed Document Number	2022315757
Deed Book / Page	1888 / 339
Prior Transfer Date	Jul 23, 2013
Prior Transfer Doc	0000233588
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OH
Recording Date	Apr 13, 2026
Property Address	110 SECOND ST, CLAY CENTER, OH 43408-7703
Document Number	0000002058
Book / Page	2076 / 977
Instrument Date	Apr 1, 2026
Instrument	20262058
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	110 SECOND ST, CLAY CENTER, OH 43408-7703

Mortgage

Document Number	0000002058,
Date	Apr 13, 2026
Book Page	2076/977
Instrument	20262058

Lender

Name	SUN FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	168 Months
Due	Apr 6, 2040

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	OTTAWA OH
Recording Date	Mar 9, 2022
Property Address	110 SECOND ST, CLAY CENTER, OH 43408-7703
Document Number	0000315757
Book / Page	1888 / 339
Instrument Date	Mar 3, 2022
Instrument	2022-315757
Transaction Type	Transfer
Record Updated	Feb 6, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 SECOND ST, CLAY CENTER, OH 43408-7703

Mortgage

Document Number	0018880341
Date	Mar 9, 2022
Instrument	1888-0341

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OH
Recording Date	May 16, 2019
Property Address	110 SECOND ST, CLAY CENTER, OH 43408-7703
Document Number	0000285033
Book / Page	1718 / 0896
Instrument Date	May 13, 2019
Instrument	201900285033
Transaction Type	Transfer
Record Updated	May 5, 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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 SECOND ST, CLAY CENTER, OH 43408-7703

Mortgage

Document Number	0001718898
Date	May 16, 2019
Instrument	1718/898

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OTTAWA OH
Recording Date	Feb 5, 2018
Property Address	110 SECOND ST, CLAY CENTER, OH 43408-7703
Document Number	0000273930
Book / Page	001665 / 000785
Instrument Date	Nov 20, 2017
Instrument	273930
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$200.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 N HOWARD RD CURTICE OH 434129489, CURTICE, OH 43412-9489

Tax Assessment & Valuation

The 2025 property tax bill for 110 Second St was $2,114, up 11.1% from the year before.

Source: Ottawa County assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ottawa County
County Subdivision	Allen Township
Municipality	Clay Center Village
Unified School District	Genoa Area Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,114.00 (+11.15%)	$42,410 (-) Land $9,426 Building $32,984
2024	$1,902.00 (+7.88%)	$42,410 (+27.6%) Land $9,426 Building $32,984	$121,170 Land $26,930 Building $94,240
2023	$1,763.00 (-0.62%)	$33,236 (-) Land $4,711 Building $28,525
2022	$1,774.00	$33,236 Land $4,711 Building $28,525
2021			$94,960 Land $13,460 Building $81,500

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 110 Second St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective November 30, 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 Claims	2 (1978–2011)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2011 · tidal / storm surge

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 110 Second 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Amplex Wireless Fixed Wireless	100 / 20

May also be available: AT&T.

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