14227 Karnes Rd, Defiance, OH 43512 Property Records

Defiance County property record for 14227 Karnes Rd, Defiance, OH 43512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,944 sqft · built 1973
Lot Size	4.35 acres (189,617 sqft)
Owner	Individual Name on Record
Tax Bill	$2,799 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B110011000202`

Property Details

APN / Parcel Number

Primary APN	`B110011000202`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,944 sqft Living Area
Gross Area	5,094 sqft
1st Floor Area	1,944 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	189,617 sqft (4.35 acres)
Garage Type	Mixed
Garage Area	1,568 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Deck Area	342 sqft
Patio Area	342 sqft
Silo	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	14227 KARNES RD
City	DEFIANCE
State	OH
Zip	43512-8622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 11 NW PT NE
Jurisdiction	DEFIANCE OH
Township / Civil Division	DEFIANCE
Census Block Group	4
Census Block	4007
Census Tract	958900

Owner

Source: Defiance County records, as of October 2, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	14227 KARNES RD, DEFIANCE, OH 43512-8622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK
Jul 12, 2017	Survivorship Deed, Transfer · FHA Mortgage EQUITY RESOURCES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2025
Deed Sale	Jul 10, 2025
Prior Sale	Jul 12, 2017 · Amount on Record
Deed Document Number	20253469
Deed Book / Page	473 / 2732
Prior Transfer Date	Apr 9, 2025
Prior Transfer Doc	00473/2732
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	14227 KARNES RD, DEFIANCE, OH 43512-8622
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14227 KARNES RD, DEFIANCE, OH 43512-8622

Mortgage

Document Number	000477/498
Date	Nov 10, 2025
Book Page	477/498
Instrument	202500005401

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Amount	Amount Recorded

July 2017: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	DEFIANCE OH
Recording Date	Jul 12, 2017
Property Address	14227 KARNES RD, DEFIANCE, OH 43512-8622
Document Number	405/0950
Book / Page	405 / 0950
Instrument Date	Jun 23, 2017
Instrument	201700002926
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	LIBERTY TITLE, LIBERTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$648.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	14227 KARNES RD, DEFIANCE, OH 43512-8622

Mortgage

Document Number	201700002927
Date	Jul 12, 2017
Instrument	201700002927

Lender

Name	EQUITY RESOURCES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Defiance County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Defiance County
County Subdivision	Defiance Township
Unified School District	Defiance City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,799.00	$71,840 (-) Land $9,490 Building $62,350
2024	$2,799.00 (+1.16%)	$71,840 (-) Land $9,490 Building $62,350	$205,230 (-0.01%) Land $27,100 Building $178,130
2023	$2,767.00 (+16.41%)	$71,840 (+31.17%) Land $9,490 Building $62,350	$205,256 (+31.18%) Land $27,114 Building $178,142
2022	$2,377.00	$54,770 Land $8,390 Building $46,380
2020			$156,470 Land $23,970 Building $132,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · 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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	8 (1981–2018)
Most Recent Claim	Mar 2018 · other causes

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 96% of the US · lower than 81% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Arthur Mutual Telephone Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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