Allen County property record for 115 Elm St, Cairo, OH 45820
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,737 sqft · built 1920 |
| Lot Size | 0.125 acres (5,445 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $66,000 (Aug 2006) |
| Tax Bill | $2,655 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-3206-01-003.000 |
| Primary APN | 27-3206-01-003.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,737 sqft Living Area |
| 1st Floor Area | 1,121 sqft |
| Upper Floors Area | 616 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 5,445 sqft (0.125 acres) |
| Lot Dimensions | 109 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 160 sqft |
| Deck Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Sewer | Connected |
| Street Address | 115 ELM ST |
|---|---|
| City | CAIRO |
| State | OH |
| Zip | 45820-6505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JAMES DOWNINGS ADDITION LOT 82 JOINT TEN FF 50.00 |
| Legal Subdivision | JAMES DOWNINGS ADDITION |
| Legal Lot Number | 82 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 10200 |
115 Elm St is owned and occupied by two individuals who bought it in August 2006.
Source: Allen County records, as of July 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 ELM ST, CAIRO, OH 45820-6505 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2006 · Amount on File |
| Deed Sale | Aug 31, 2006 · Amount on File |
| Prior Sale | Jun 3, 1998 · Amount on File |
| Deed Document Number | 20067800 |
| Deed Book / Page | 2006 / 7800 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 115 Elm St was $2,655, up 0.8% 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 | $2,655.00 (+0.8%) | $34,590 (-) Land $3,050 Building $31,540 | $98,800 (-) Land $8,700 Building $90,100 |
| 2024 | $2,634.00 (+16.65%) Homeowner's exemption | $34,590 (+40.95%) Land $3,050 Building $31,540 | $98,800 Land $8,700 Building $90,100 |
| 2023 | $2,258.00 (-4.24%) Homeowner's exemption | $24,540 (-) Land $2,170 Building $22,370 | |
| 2022 | $2,358.00 Homeowner's exemption | $24,540 Land $2,170 Building $22,370 | |
| 2021 | $70,100 Land $6,200 Building $63,900 |
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.
FEMA maps place 115 Elm 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 115 Elm 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 96% of the US · lower than 81% 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 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: MetaLINK Technologies.
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