Putnam County property record for 12698 Rd 18, Cloverdale, OH 45827
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,052 sqft · built 1975 |
| Lot Size | 0.777 acres (33,877 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $199,000 (Jul 2019) |
| Tax Bill | $1,879 (2025) |
| Deeds & Mortgages | Jul 2019 Sale & Mortgage Mar 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 53-028050.0000 |
| Primary APN | 53-028050.0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,052 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Upper Floors Area | 1,008 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 33,877 sqft (0.777 acres) |
| Porch | Slab |
| Porch Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Private |
| Street Address | 12698 ROAD 18 |
|---|---|
| City | CLOVERDALE |
| State | OH |
| Zip | 45827-9601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1N 6E 31 LOT 1 MORMAN SU B-DIV NEPT EPT SEFRL |
| Legal Range | 6E |
| Legal Township | 1N |
| Legal Section | 31 |
| Legal Subdivision | MORMAN SU B-DIV |
| Legal Lot Number | 1 |
| Jurisdiction | PUTNAM OH |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 30600 |
Source: Putnam County records, as of July 14, 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 | 12698 ROAD 18, CLOVERDALE, OH 45827-9601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2019 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Mar 28, 2017 | Deed of Trust, Mortgage · Line of Credit THE UNION BANK CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2019 · Amount on Record |
| Deed Sale | Jul 30, 2019 · Amount on Record |
| Prior Sale | Jan 11, 2012 · Amount on Record |
| Deed Document Number | 20192945 |
| Deed Book / Page | 711 / 1388 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PUTNAM OH |
| Recording Date | Jul 30, 2019 |
| Property Address | 12698 ROAD 18, CLOVERDALE, OH 45827-9601 |
| Document Number | 00711/1388 |
| Book / Page | 711 / 1388 |
| Map Reference | MB 20 PG 16&16A |
| Instrument Date | Jul 25, 2019 |
| Instrument | 201900002945 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12698 RD, CLOVERDALE, OH 45827 |
| Document Number | 201900002946 |
|---|---|
| Date | Jul 30, 2019 |
| Instrument | 201900002946 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM OH |
| Property Address | 12698 ROAD 18, CLOVERDALE, OH 45827-9601 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 201700001233 |
|---|---|
| Date | Mar 28, 2017 |
| Book Page | 687/1839 |
| Instrument | 201700001233 |
| Name | THE UNION BANK CO |
|---|---|
| Type | Bank |
| Address | KALIDA, OH 45853 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Putnam County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Putnam County |
| County Subdivision | Union Township |
| Unified School District | Kalida Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,879.00 (+2.79%) Homeowner's exemption | $63,890 (-) Land $13,280 Building $50,610 | $182,540 (-) Land $37,940 Building $144,600 |
| 2024 | $1,828.00 (-8.83%) Homeowner's exemption | $63,890 (+31.84%) Land $13,280 Building $50,610 | |
| 2023 | $2,005.00 (+19.13%) Homeowner's exemption Additional exemption filed | $48,460 (-) Land $10,290 Building $38,170 | $182,540 (+31.84%) Land $37,940 Building $144,600 |
| 2022 | $1,683.00 | $48,460 Land $10,290 Building $38,170 | |
| 2020 | $138,460 Land $29,400 Building $109,060 |
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.
Source: FEMA National Flood Hazard Layer, effective December 1, 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 Policies | 2 in force |
| Nearby Flood Claims | 5 (1981–2015) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Jun 2015 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 90% 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 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Kalida Telephone Fiber | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| MetaLINK Technologies Fixed Wireless | 200 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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