145 Elm St, Cairo, OH 45820 Property Records

Allen County property record for 145 Elm St, Cairo, OH 45820

Property Summary

Property Type	Single Family Home
Lot Size	0.486 acres (21,170 sqft)
Owner	2 Individual Names on File
Tax Bill	$386 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-3206-01-010.000`

Property Details

APN / Parcel Number

Primary APN	`27-3206-01-010.000`
Alternative APN	`B1027320601010000`

Exterior

Lot Area	21,170 sqft (0.486 acres)
Lot Dimensions	211 ft deep x 100 ft wide
Garage Area	720 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	384 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	145 ELM ST
City	CAIRO
State	OH
Zip	45820-6505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES DOWNINGS ADDITION LOTS 74 & 75 JOINT TEN FF 100.00
Legal Subdivision	JAMES DOWNINGS ADDITION
Legal Lot Number	74
Jurisdiction	ALLEN OH
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1022
Census Tract	10200

Owner

145 Elm St is owned and occupied by two individuals who acquired it in April 2024.

Source: Allen County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	145 ELM ST, CAIRO, OH 45820-6505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Apr 26, 2024	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Oct 11, 2018	Deed of Trust, Mortgage · Line of Credit TOPMARK FCU
Oct 11, 2018	Deed of Trust, Mortgage · Line of Credit TOPMARK FCU
May 17, 2018	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2024
Deed Sale	Apr 26, 2024
Prior Sale	May 17, 2018 · Amount on File
Deed Document Number	20243605
Prior Transfer Date	Apr 19, 2024
Prior Transfer Doc	0000003605
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	145 ELM ST, CAIRO, OH 45820-6505
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4260003606
Date	Apr 26, 2024
Book Page	2024/3606
Instrument	202404260003606

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	1600 S DOUGLASS RD STE 100, ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	145 ELM ST, CAIRO, OH 45820-6505
Document Number	0000011817
Instrument Date	Oct 11, 2018
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	145 ELM ST CAIRO OH 45820, CAIRO, OH 45820

Mortgage

Document Number	0000011817
Date	Oct 18, 2018
Instrument	11817

Lender

Name	TOPMARK FCU
Type	Credit Union
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	145 ELM ST, CAIRO, OH 45820-6505
Document Number	0000011817
Instrument Date	Oct 11, 2018
Transaction Type	Mortgage
Record Updated	Nov 1, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	ELM ST CAIRO OH 45820, CAIRO, OH 45820

Mortgage

Document Number	0000011817
Date	Oct 18, 2018
Instrument	11817

Lender

Name	TOPMARK FCU
Type	Credit Union
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ALLEN OH
Recording Date	May 17, 2018
Property Address	145 ELM ST, CAIRO, OH 45820-6505
Document Number	0000005488
Instrument Date	May 16, 2018
Instrument	5488
Transaction Type	Foreclosure
Record Updated	May 31, 2018

Transaction

Amount	Amount on Record
Tax	$30.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 RUNYAN AVE LIMA OH 458013641, LIMA, OH 45801-3641

Tax Assessment & Valuation

The 2025 property tax bill for 145 Elm St was $386, down 0.8% from the year before.

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Monroe Township
Municipality	Cairo Village
Unified School District	Bath Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$386.00 (-0.77%)	$8,790 (-) Land $6,300 Building $2,490	$25,100 (-) Land $18,000 Building $7,100
2024	$389.00 (+17.88%)	$8,790 (+41.09%) Land $6,300 Building $2,490	$25,100 Land $18,000 Building $7,100
2023	$330.00 (+0.92%)	$6,230 (-) Land $4,480 Building $1,750
2022	$327.00	$6,230 Land $4,480 Building $1,750
2021			$17,800 Land $12,800 Building $5,000

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

Flood

FEMA maps place 145 Elm St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 20, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 145 Elm St 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 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: MetaLINK Technologies.

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