14386 Karnes Rd, Defiance, OH 43512 Property Records

Defiance County property record for 14386 Karnes Rd, Defiance, OH 43512

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 1,890 sqft · built 2004
Lot Size	1.18 acres (51,401 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Sep 2022)
Tax Bill	$5,938 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Sep 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B110011000516`

Property Details

APN / Parcel Number

Primary APN	`B110011000516`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,890 sqft Living Area
1st Floor Area	1,890 sqft
Attic	Attic
Attic Area	473 sqft
Basement Area	1,890 sqft
Finished Basement	1,500 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	51,401 sqft (1.18 acres)
Garage Type	Attached - Unfinished
Garage Area	1,068 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	312 sqft
Patio Area	300 sqft
Pole Barn	1,680 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	14386 KARNES RD
City	DEFIANCE
State	OH
Zip	43512-9058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 11 PT OF NW 1/4
Legal Subdivision	SUUMERLIN
Jurisdiction	DEFIANCE OH
Township / Civil Division	DEFIANCE
Census Block Group	4
Census Block	4008
Census Tract	958900

Owner

Source: Defiance County records · APN B110011000516

Assessment roll updated March 19, 2026 · Last verified July 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 File
Mailing Address	14386 KARNES RD, DEFIANCE, OH 43512-9058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Warranty Deed, Transfer · Conventional Mortgage THE STATE BANK & TRUST CO
Sep 30, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDWEST COMMUNITY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 30, 2022 · Amount on Record
Deed Sale	Sep 30, 2022 · Amount on Record
Prior Sale	Nov 15, 2002 · Amount on Record
Deed Document Number	20224451
Deed Book / Page	452 / 378
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DEFIANCE OH
Recording Date	Sep 30, 2022
Property Address	14386 KARNES RD, DEFIANCE, OH 43512-9058
Document Number	000452/378
Book / Page	452 / 378
Instrument Date	Sep 30, 2022
Instrument	202200004451
Transaction Type	Transfer
Record Updated	Oct 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14386 KARNES RD, DEFIANCE, OH 43512-9058

Mortgage

Document Number	202200004452
Date	Sep 30, 2022
Instrument	202200004452

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Oct 01, 2037
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

Mortgage

Document Number	000452/521
Date	Oct 04, 2022
Book Page	452/521
Instrument	202200004479

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	113 Months
Due	Mar 30, 2032

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Property Address	14386 KARNES RD, DEFIANCE, OH 43512-9058
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14386 KARNES RD, DEFIANCE, OH 43512-9058

Mortgage

Document Number	442/2551
Date	Sep 30, 2021
Book Page	442/2551
Instrument	202100005475

Lender

Name	MIDWEST COMMUNITY FCU
Type	Credit Union
Address	DEFIANCE, OH 43512

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Oct 28, 2028

Tax Assessment & Valuation

Source: Defiance County records · Assessment roll updated March 19, 2026 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,938.00 (+5%)	$141,800 (-) Land $5,600 Building $136,200
2024	$5,655.00 (+1.14%)	$141,800 (-) Land $5,600 Building $136,200
2023	$5,591.00 (+32.05%)	$141,800 (+45.48%) Land $5,600 Building $136,200	$405,142 (+45.49%) Land $16,000 Building $389,142
2022	$4,234.00	$97,470 Land $5,220 Building $92,250
2020			$278,470 Land $14,900 Building $263,570

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 5 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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