14424 Karnes Rd, Defiance, OH 43512 Property Records

Defiance County property record for 14424 Karnes Rd, Defiance, OH 43512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,652 sqft · built 1996
Lot Size	3.82 acres (166,399 sqft)
Owner	Individual Name on File
Last Sale	$302,500 (May 2026)
Tax Bill	$3,136 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`B110011000511`

Property Details

APN / Parcel Number

Primary APN	`B110011000511`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,652 sqft Living Area
1st Floor Area	1,652 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	166,399 sqft (3.82 acres)
Garage Type	Attached - Unfinished
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	512 sqft
Porch	Slab
Porch Area	25 sqft
Patio Area	1,698 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	14424 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
Jurisdiction	DEFIANCE OH
Township / Civil Division	DEFIANCE
Census Block Group	4
Census Block	4008
Census Tract	958900

Owner

Source: Defiance County assessment roll, as of March 19, 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	14424 KARNES RD, DEFIANCE, OH 43512-9058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION BANK
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION BANK
Dec 22, 2023	Intrafamily Transfer, Transfer
Nov 20, 2023	Warranty Deed, Transfer · Conventional Mortgage THE STATE BANK & TRUST CO
Nov 19, 2007	Warranty Deed, Transfer FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Nov 20, 2023 · Amount on Record
Deed Document Number	20261523
Deed Book / Page	481 / 159
Prior Transfer Date	Dec 19, 2023
Prior Transfer Doc	00461/1859
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEFIANCE OH
Recording Date	May 1, 2026
Property Address	14424 KARNES RD, DEFIANCE, OH 43512-9058
Document Number	0000001524
Book / Page	481 / 161
Instrument Date	May 1, 2026
Instrument	20261524
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167

Mortgage

Document Number	0000001524,
Date	May 1, 2026
Book Page	481/161
Instrument	20261524

Lender

Name	UNION BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DEFIANCE OH
Recording Date	May 1, 2026
Property Address	14424 KARNES RD, DEFIANCE, OH 43512-9058
Document Number	0000001523
Book / Page	481 / 159
Instrument Date	May 1, 2026
Instrument	2026.1523
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$122,210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14424 KARNES RD, DEFIANCE, OH 43512-9058

Mortgage

Document Number	000481/161,
Date	May 1, 2026
Instrument	2026..1524

Lender

Name	UNION BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DEFIANCE OH
Recording Date	Dec 22, 2023
Property Address	14424 KARNES RD, DEFIANCE, OH 43512-9058
Document Number	00461/1859
Book / Page	461 / 1859
Instrument Date	Dec 19, 2023
Instrument	202300004556
Transaction Type	Transfer
Record Updated	Jan 9, 2024

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	14386 KARNES RD, DEFIANCE, OH 43512-9058

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DEFIANCE OH
Recording Date	Nov 20, 2023
Property Address	14424 KARNES RD, DEFIANCE, OH 43512-9058
Document Number	00460/2661
Book / Page	460 / 2661
Instrument Date	Nov 16, 2023
Instrument	202300004115
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
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	202300004116
Date	Nov 20, 2023
Instrument	202300004116

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

November 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DEFIANCE OH
Recording Date	Nov 19, 2007
Property Address	14424 KARNES RD, DEFIANCE, OH 43512-9058
Document Number	321/1099
Book / Page	321 / 1099
Instrument Date	Nov 6, 2007
Instrument	200700006385
Transaction Type	Transfer
Record Updated	May 24, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
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	14424 KARNES RD, DEFIANCE, OH 43512-9058

Mortgage

Document Number	00321/1101
Date	Nov 19, 2007
Book Page	321/1101
Instrument	200700006386

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2037

Tax Assessment & Valuation

Source: Defiance County assessment roll, as of March 19, 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	$3,136.00	$78,640 (-) Land $8,950 Building $69,690
2024	$3,136.00 (+3.53%)	$78,640 (-) Land $8,950 Building $69,690
2023	$3,029.00 (+21.4%)	$78,640 (+36.86%) Land $8,950 Building $69,690	$224,685 (+36.84%) Land $25,571 Building $199,114
2022	$2,495.00	$57,460 Land $7,950 Building $49,510
2020			$164,190 Land $22,720 Building $141,470

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 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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 Company Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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