14437 Co Rd 20, Dunkirk, OH 45836 Property Records

Hardin County property record for 14437 Co Rd 20, Dunkirk, OH 45836

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,600 sqft · built 2023
Lot Size	5.97 acres (260,358 sqft)
Owner	Individual Name on File
Last Sale	$81,000 (Nov 2021)
Tax Bill	$2,377 (2025)
Deeds & Mortgages	Mar 2026 Construction Loan Jan 2023 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-020026.0000`

Property Details

APN / Parcel Number

Primary APN	`01-020026.0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft
Basement Area	1,112 sqft
Unfinished Basement	1,112 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	260,358 sqft (5.97 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	14437 COUNTY ROAD 20
City	DUNKIRK
State	OH
Zip	45836-9734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW4 SW4 S4 5.977A
Jurisdiction	HARDIN OH
Township / Civil Division	BLANCHARD
Census Block Group	2
Census Block	2003
Census Tract	300

Owner

14437 Co Rd 20 is owned and occupied by an individual who bought it in November 2021.

Source: Hardin County records, as of April 9, 2026

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

Owner of Record	Individual Name on File
Mailing Address	14437 COUNTY ROAD 20, DUNKIRK, OH 45836-9734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Construction Mortgage THE FIRST NATIONAL BANK OF PANDORA
Jan 23, 2023	Deed of Trust, Mortgage · Construction Mortgage THE FIRST NATIONAL BANK OF PANDORA
May 20, 2022	Deed of Trust, Mortgage QUEST FCU
Nov 22, 2021	Sheriff's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2021 · Amount on File
Deed Sale	Nov 22, 2021 · Amount on File
Prior Sale	Dec 8, 1995
Deed Document Number	20214332
Deed Book / Page	562 / 5748
Prior Transfer Date	May 25, 2021
Prior Transfer Doc	00562/5748
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN OH
Property Address	14437 COUNTY ROAD 20, DUNKIRK, OH 45836-9734
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14437 COUNTY ROAD 20, DUNKIRK, OH 45836-9734

Mortgage

Document Number	00577/1507
Date	Mar 30, 2026
Book Page	577/1507
Instrument	2026000894

Lender

Name	THE FIRST NATIONAL BANK OF PANDORA
Type	Bank
Address	102 E MAIN ST, PANDORA, OH 45877

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Apr 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2029
Change Frequency	6 Months
Min Rate At Change	3.62%
Max Rate At Change	9.62%
Index	3-Year CMT
Margin	3
Max Rate	12.6%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN OH
Property Address	14437 COUNTY ROAD 20, DUNKIRK, OH 45836-9734
Transaction Type	Mortgage
Record Updated	Feb 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14021 COUNTY ROAD 80, KENTON, OH 43326-9245

Mortgage

Document Number	000567/338
Date	Jan 23, 2023
Book Page	567/338
Instrument	2023000202

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Feb 1, 2025
Change Frequency	3 Years
Min Rate At Change	4.12%
Max Rate At Change	10.1%
Index	3-Year TN
Max Rate	13.1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN OH
Property Address	14437 COUNTY ROAD 20, DUNKIRK, OH 45836-9734
Transaction Type	Mortgage
Record Updated	Jun 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14437 COUNTY ROAD 20, DUNKIRK, OH 45836-9734

Mortgage

Document Number	00564/4960
Date	May 20, 2022
Book Page	564/4960
Instrument	202200001738

Lender

Name	QUEST FCU
Type	Credit Union
Address	KENTON, OH 43326

Agreement

Amount	Amount on Record

November 2021: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	HARDIN OH
Recording Date	Nov 22, 2021
Property Address	14437 COUNTY ROAD 20, DUNKIRK, OH 45836-9734
Document Number	00562/5748
Book / Page	562 / 5748
Map Reference	VOL 79 PG 79&80
Instrument Date	May 25, 2021
Instrument	202100004332
Transaction Type	Foreclosure
Record Updated	Apr 1, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14021 COUNTY ROAD 80, KENTON, OH 43326-9245

Tax Assessment & Valuation

The 2025 property tax bill for 14437 Co Rd 20 was $2,377 with a homeowner's exemption, up 69.7% from the year before.

Source: Hardin County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hardin County
County Subdivision	Blanchard Township
Unified School District	Hardin Northern Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,377.00 (+69.66%)	$69,460 (+70.96%) Land $11,800 Building $57,660
2024	$1,401.00 (+239.23%) Homeowner's exemption	$40,630 (+244.32%) Land $11,800 Building $28,830
2023	$413.00 (+13.46%)	$11,800 (+41.66%) Land $11,800	$198,450 Land $33,710 Building $164,740
2022	$364.00	$8,330 Land $8,330
2020			$23,800 Land $23,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 14437 Co Rd 20 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective July 9, 2024 · 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 Claims	1 (1981)
Most Recent Claim	Jun 1981 · tidal / storm surge

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

Wildfire risk around 14437 Co Rd 20 is low, with less than a 0.01% annual chance of 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

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
HDER Link Fixed Wireless	500 / 500
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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