11840 Phillips Rd, Pandora, OH 45877 Property Records

Allen County property record for 11840 Phillips Rd, Pandora, OH 45877

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,620 sqft · built 1999
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,900 (Jun 2017)
Tax Bill	$4,368 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Dec 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-3400-03-002.005`

Property Details

APN / Parcel Number

Primary APN	`18-3400-03-002.005`
Alternative APN	`A0118340003002005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,620 sqft Living Area
Gross Area	4,916 sqft
1st Floor Area	1,456 sqft
Upper Floors Area	1,164 sqft
Basement Area	1,456 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	87,556 sqft (2.01 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	712 sqft
Deck Area	112 sqft
Patio Area	308 sqft
Lean-To	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	11840 PHILLIPS RD
City	PANDORA
State	OH
Zip	45877-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW1/4 JOINT TEN RTS 08-01-34
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2000
Census Tract	10200

Owner

Source: Allen County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	11840 PHILLIPS RD, PANDORA, OH 45877-9504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2023	Deed of Trust, Mortgage · Line of Credit THE FORT JENNINGS STATE BANK
Dec 23, 2025	Transfer on Death Deed, Transfer
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS NAT'L BK/BLUFFTON
Jun 26, 2017	Warranty Deed, Transfer · Conventional with PMI CITIZENS NAT'L BK/BLUFFTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2017 · Amount on Record
Deed Sale	Jun 26, 2017 · Amount on Record
Prior Sale	Jul 29, 2014 · Amount on Record
Deed Document Number	20177010
Deed Book / Page	2017 / 7010
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	11840 PHILLIPS RD, PANDORA, OH 45877-9504
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9147 BIXEL RD, BLUFFTON, OH 45817-9511

Mortgage

Document Number	12290011291
Date	Dec 29, 2023
Book Page	2023/11291
Instrument	202312290011291

Lender

Name	THE FORT JENNINGS STATE BANK
Type	Bank
Address	120 N WATER ST, FORT JENNINGS, OH 45844

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

December 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ALLEN OH
Recording Date	Dec 23, 2025
Property Address	11840 PHILLIPS RD, PANDORA, OH 45877-9504
Document Number	12230013029
Book / Page	2025 / 13029
Instrument Date	Dec 12, 2025
Instrument	202512230013029
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11840 PHILLIPS RD, PANDORA, OH 45877-9504

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	11840 PHILLIPS RD, PANDORA, OH 45877-9504
Document Number	0000009341
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11840 PHILLIPS RD PANDORA OH 458779504, PANDORA, OH 45877-9504

Mortgage

Document Number	0000009341
Date	Aug 11, 2020
Instrument	9341

Lender

Name	CITIZENS NAT'L BK/BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 10, 2035

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Jun 26, 2017
Property Address	11840 PHILLIPS RD, PANDORA, OH 45877-9504
Document Number	0000007010
Instrument Date	Jun 23, 2017
Instrument	7010
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$719.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11840 PHILLIPS RD PANDORA OH 458779504, PANDORA, OH 45877-9504

Mortgage

Document Number	7011
Date	Jun 26, 2017
Instrument	7011

Lender

Name	CITIZENS NAT'L BK/BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2047

Tax Assessment & Valuation

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Richland Township
Unified School District	Bluffton Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,368.00 (+0.02%)	$133,250 (-) Land $15,960 Building $117,290	$380,700 (-) Land $45,600 Building $335,100
2024	$4,367.00 (+25.56%) Homeowner's exemption	$133,250 (+36.01%) Land $15,960 Building $117,290	$380,700 (+36.01%) Land $45,600 Building $335,100
2023	$3,478.00 (-0.43%) Homeowner's exemption	$97,970 (-) Land $11,730 Building $86,240
2022	$3,493.00 Homeowner's exemption	$97,970 Land $11,730 Building $86,240
2021			$279,900 Land $33,500 Building $246,400

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

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	1 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2009 · river or lake flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 71% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Wireless Fixed Wireless	500 / 50
Watch TV Fixed Wireless	400 / 40
MetaLINK Technologies Fixed Wireless	25 / 5

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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