Allen County property record for 120 W Main St, Cairo, OH 45820
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,940 sqft · built 1920 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $74,000 (Sep 2017) |
| Tax Bill | $2,465 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Dec 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-2911-03-005.000 |
| Primary APN | 27-2911-03-005.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,940 sqft Living Area |
| Gross Area | 3,058 sqft |
| 1st Floor Area | 1,182 sqft |
| Upper Floors Area | 758 sqft |
| Basement Area | 1,118 sqft |
| Family Room | Family Room |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 168 sqft |
| Shed | 1 Shed |
| Shed Area | 252 sqft |
| Cooling System | None |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Street Address | 120 W MAIN ST |
|---|---|
| City | CAIRO |
| State | OH |
| Zip | 45820-6514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A BRENNEMANS ADDITION LOT 115 JOINT TEN FF 50.00 |
| Legal Subdivision | A BRENNEMANS ADDITION |
| Legal Lot Number | 115 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10200 |
120 W Main St is owned and occupied by two individuals who bought it in September 2017.
Source: Allen County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 W MAIN ST, CAIRO, OH 45820-6514 |
| 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.
| Date | Document |
|---|---|
| Jun 23, 2023 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Dec 30, 2019 | Loan Modification, Mortgage · FHA Mortgage AMERIFIRST FIN'L CORP |
| Sep 21, 2017 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FIN'L CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2017 · Amount on File |
| Deed Sale | Sep 21, 2017 · Amount on File |
| Prior Sale | Jan 1, 1990 |
| Deed Document Number | 201710460 |
| Deed Book / Page | 2017 / 10460 |
| Prior Transfer Date | Dec 29, 2010 |
| Prior Transfer Doc | 0000015925 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 120 W MAIN ST, CAIRO, OH 45820-6514 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 120 W MAIN ST, CAIRO, OH 45820-6514 |
| Document Number | 6230005291 |
|---|---|
| Date | Jun 23, 2023 |
| Book Page | 2023/5291 |
| Instrument | 202306230005291 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 319 Months |
| Due | Jan 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 120 W MAIN ST, CAIRO, OH 45820-6514 |
| Document Number | 0000000538 |
| Instrument Date | Dec 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 120 W MAIN ST CAIRO OH 45820, CAIRO, OH 45820 |
| Document Number | 0000000538 |
|---|---|
| Date | Jan 15, 2020 |
| Instrument | 538 |
| Name | AMERIFIRST FIN'L CORP |
|---|---|
| Address | PORTAGE, MI 49002 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 14, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Sep 21, 2017 |
| Property Address | 120 W MAIN ST, CAIRO, OH 45820-6514 |
| Document Number | 0000010460 |
| Book / Page | 002017 / 010460 |
| Instrument Date | Sep 21, 2017 |
| Instrument | 10460 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $222.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 120 W MAIN ST CAIRO OH 45820, CAIRO, OH 45820 |
| Investor | Possibly a Property Investor |
| Document Number | 10461 |
|---|---|
| Date | Sep 21, 2017 |
| Instrument | 10461 |
| Name | AMERIFIRST FIN'L CORP |
|---|---|
| Address | KALAMAZOO, MI 49002 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 20, 2047 |
The 2025 property tax bill for 120 W Main St was $2,465, up 0.9% 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 | $2,465.00 (+0.86%) | $38,010 (-) Land $3,570 Building $34,440 | $108,600 (-) Land $10,200 Building $98,400 |
| 2024 | $2,444.00 (+14.69%) Homeowner's exemption | $38,010 (+41.04%) Land $3,570 Building $34,440 | $108,600 Land $10,200 Building $98,400 |
| 2023 | $2,131.00 (-0.37%) Homeowner's exemption | $26,950 (-) Land $2,520 Building $24,430 | |
| 2022 | $2,139.00 Homeowner's exemption | $26,950 Land $2,520 Building $24,430 | |
| 2021 | $77,000 Land $7,200 Building $69,800 |
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 120 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 120 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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