12399 Phillips Rd, Pandora, OH 45877 Property Records

Allen County property record for 12399 Phillips Rd, Pandora, OH 45877

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,620 sqft · built 1920
Lot Size	2.96 acres (128,938 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Jul 2024)
Tax Bill	$2,054 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-3300-01-001.000`

Property Details

APN / Parcel Number

Primary APN	`18-3300-01-001.000`
Alternative APN	`A0518330001001000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,620 sqft Living Area
Gross Area	4,372 sqft
1st Floor Area	1,540 sqft
Upper Floors Area	1,080 sqft
Basement Area	1,080 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	128,938 sqft (2.96 acres)
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	5 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	452 sqft
Lean-To	480 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	12399 PHILLIPS RD
City	PANDORA
State	OH
Zip	45877-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE1/4 JOINT TEN RTS 08-01-33
Jurisdiction	ALLEN OH
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2003
Census Tract	10200

Owner

Source: Allen County records, as of August 26, 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	12399 PHILLIPS RD, PANDORA, OH 45877-9504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 13, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 24, 2022	Transfer on Death Deed, Transfer
Mar 16, 2022	Certificate of Transfer, Transfer
Aug 12, 2021	Deed of Trust, Mortgage · Line of Credit THE FIRST NATIONAL BANK OF PANDORA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2024 · Amount on Record
Deed Sale	Jul 11, 2024 · Amount on Record
Prior Sale	Apr 26, 1993
Deed Document Number	20246153
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Recording Date	Aug 17, 2026
Property Address	12399 PHILLIPS RD, PANDORA, OH 45877-9504
Document Number	0000008519
Instrument Date	Jul 23, 2026
Instrument	20268519
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12399 PHILLIPS RD, PANDORA, OH 45877-9504

Mortgage

Document Number	0000008519,
Date	Aug 17, 2026
Instrument	20268519

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2056

Interest

Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	12399 PHILLIPS RD, PANDORA, OH 45877-9504
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12399 PHILLIPS RD, PANDORA, OH 45877-9504

Mortgage

Document Number	2130001395
Date	Feb 13, 2026
Book Page	2026/1395
Instrument	202602130001395

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	650 S TRYON ST # 88, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2056

Interest

Change Frequency	Monthly

June 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ALLEN OH
Recording Date	Jun 24, 2022
Property Address	12399 PHILLIPS RD, PANDORA, OH 45877-9504
Document Number	6240007494
Book / Page	2022 / 7494
Instrument Date	Jun 20, 2022
Instrument	202206240007494
Transaction Type	Transfer
Record Updated	Jul 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2022: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	ALLEN OH
Recording Date	Mar 16, 2022
Property Address	12399 PHILLIPS RD, PANDORA, OH 45877-9504
Document Number	3160003067
Book / Page	2022 / 3067
Instrument Date	Feb 24, 2022
Instrument	202203160003067
Transaction Type	Transfer
Record Updated	Mar 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12399 PHILLIPS RD, PANDORA, OH 45877-9504

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	12399 PHILLIPS RD, PANDORA, OH 45877-9504
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8120011320
Date	Aug 12, 2021
Book Page	2021/11320
Instrument	202108120011320

Lender

Name	THE FIRST NATIONAL BANK OF PANDORA
Type	Bank
Address	PANDORA, OH 45877

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Sep 5, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Pandora-Gilboa Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,054.00 (-2%)	$75,820 (-) Land $18,870 Building $56,950	$216,600 (-) Land $53,900 Building $162,700
2024	$2,096.00 (+27.65%)	$75,820 (+36.07%) Land $18,870 Building $56,950	$216,600 (+36.06%) Land $53,900 Building $162,700
2023	$1,642.00 (-14.52%)	$55,720 (-) Land $13,860 Building $41,860
2022	$1,921.00	$55,720 Land $13,860 Building $41,860
2021			$159,200 Land $39,600 Building $119,600

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	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 4 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
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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