14081 Rd 3, Pandora, OH 45877 Property Records

Putnam County property record for 14081 Rd 3, Pandora, OH 45877

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,424 sqft · built 2017
Lot Size	76.1 acres (3,318,836 sqft)
Owner	2 Individual Names on File
Last Sale	$9,900 (Feb 2012)
Tax Bill	$5,645 (2025)
Deeds & Mortgages	Dec 2025 Transfer Nov 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`48-013100.0000`

Property Details

APN / Parcel Number

Primary APN	`48-013100.0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,424 sqft Living Area
1st Floor Area	1,424 sqft
Basement Area	1,424 sqft
Unfinished Basement	1,424 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	3,318,836 sqft (76.1 acres)
Porch	Slab
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	14081 ROAD 3
City	PANDORA
State	OH
Zip	45877-9802
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	1S 8E 11 N NW EX SWCOR
Legal Range	8E
Legal Township	1S
Legal Section	11
Jurisdiction	PUTNAM OH
Township / Civil Division	RILEY
Census Block Group	2
Census Block	2003
Census Tract	30400

Owner

14081 Rd 3, a rural home, is owned and occupied by two individuals who acquired it in November 2025.

Source: Putnam County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14081 ROAD 3, PANDORA, OH 45877-9802
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Intrafamily Transfer, Transfer
Nov 13, 2017	Deed of Trust, Mortgage · Line of Credit THE FIRST NATIONAL BANK OF PANDORA
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST NATIONAL BANK OF PANDORA
Dec 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST NATIONAL BANK OF PANDORA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2012 · Amount on File
Deed Sale	Feb 3, 2012 · Amount on File
Deed Document Number	2012632
Deed Book / Page	634 / 361
Last Transfer Date	Nov 19, 2025
Transfer Doc	000782/160
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM OH
Recording Date	Dec 5, 2025
Property Address	14081 ROAD 3, PANDORA, OH 45877-9802
Document Number	000782/160
Book / Page	782 / 160
Instrument Date	Nov 19, 2025
Instrument	202500005358
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14081 ROAD 3, PANDORA, OH 45877-9802

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	14081 ROAD 3, PANDORA, OH 45877-9802
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00694/0443
Date	Nov 13, 2017
Book Page	694/0443
Instrument	201700004858

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 15, 2037

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	14081 ROAD 3, PANDORA, OH 45877-9802
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00722/1169
Date	Jul 8, 2020
Book Page	722/1169
Instrument	202000003142

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2025
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	6.25%
Index	5-Year CMT
Max Rate	9.25%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	14081 ROAD 3, PANDORA, OH 45877-9802
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00716/0001
Date	Dec 20, 2019
Book Page	716/0001
Instrument	201900005246

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 16, 2024
Change Frequency	Annually
Min Rate At Change	7.5%
Max Rate At Change	2.75%
Index	1-Year LIBOR
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 14081 Rd 3 was $5,645 with a homeowner's exemption, up 6.7% from the year before.

Source: Putnam County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Putnam County
County Subdivision	Riley Township
Unified School District	Pandora-Gilboa Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,645.00 (+6.71%) Homeowner's exemption Additional exemption filed	$191,090 (-) Land $97,140 Building $93,950	$991,400 Land $722,970 Building $268,430
2024	$5,290.00 (-2.9%) Homeowner's exemption Additional exemption filed	$191,090 (+52.34%) Land $97,140 Building $93,950
2023	$5,448.00 (+16.11%) Homeowner's exemption Additional exemption filed	$125,440 (-) Land $57,760 Building $67,680	$991,400 Land $722,970 Building $268,430
2022	$4,692.00 Homeowner's exemption Additional exemption filed	$125,440 Land $57,760 Building $67,680
2020			$797,030 Land $603,660 Building $193,370

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 14081 Rd 3 in Zone X, an area of minimal flood risk.

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	1 in force

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

The area around 14081 Rd 3 has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fixed Wireless	500 / 100
Buckeye Wireless Fixed Wireless	500 / 50
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
HDER Link Fixed Wireless	100 / 100

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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