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16963 Rd 3, Pandora, OH 45877 Property Records

Putnam County property record for 16963 Rd 3, Pandora, OH 45877

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,563 sqft · built 2023
Lot Size2.24 acres (97,966 sqft)
Owner2 Individual Names on Record
Last Sale$40,000 (Jun 2021)
Tax Bill$3,157 (2025)
Deeds & MortgagesOct 2022 Construction Loan
Jun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN48-026080.0800

Property Details

APN / Parcel Number

Primary APN48-026080.0800

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories1 Story
Building Area2,563 sqft Living Area
1st Floor Area2,130 sqft
AtticAttic
Attic Area1,730 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Construction TypeWood
Roof TypeGable
Roof MaterialRolled Roofing
Lot Area97,966 sqft (2.24 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address16963 ROAD 3
CityPANDORA
StateOH
Zip45877-9808
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1S 8E 23 SWCOR WPT SW
Legal Range8E
Legal Township1S
Legal Section23
JurisdictionPUTNAM OH
Township / Civil DivisionRILEY
Census Block Group3
Census Block3002
Census Tract30400

Owner

Source: Putnam County records, as of July 14, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address16963 ROAD 3, PANDORA, OH 45877-9808
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 27, 2022Deed of Trust, Mortgage · Construction Mortgage
THE FIRST NATIONAL BANK OF PANDORA
Jun 9, 2021Survivorship Deed, Transfer · Conventional Mortgage
THE FIRST NATIONAL BANK OF PANDORA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 9, 2021 · Amount on Record
Deed SaleJun 9, 2021 · Amount on Record
Deed Document Number20213171
Deed Book / Page735 / 402
Record UpdatedSep 20, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionPUTNAM OH
Property Address16963 ROAD 3, PANDORA, OH 45877-9808
Transaction TypeMortgage
Record UpdatedFeb 19, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address15262 ROAD 5N, PANDORA, OH 45877-8701

Mortgage

Document Number000751/677
DateOct 27, 2022
Book Page751/677
Instrument202200004698
Lender
NameTHE FIRST NATIONAL BANK OF PANDORA
TypeBank
AddressPANDORA, OH 45877
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term373 Months
DueNov 1, 2053
Interest
Rate TypeAdjustable Rate
Rate5%
AdjustableAdjustable Rate Rider
Type Change DateNov 1, 2025
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change8.5%
Index3-Year CMT
Max Rate11.5%

June 2021: Survivorship Deed, Transfer

Document TypeSurvivorship Deed
JurisdictionPUTNAM OH
Recording DateJun 9, 2021
Property Address16963 ROAD 3, PANDORA, OH 45877-9808
Document Number000735/402
Book / Page735 / 402
Instrument DateMay 28, 2021
Instrument202100003171
Transaction TypeTransfer
Record UpdatedFeb 19, 2024

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address14538 ROAD 5N, PANDORA, OH 45877-8746

Mortgage

Document Number000735/405
DateJun 9, 2021
Book Page735/405
Instrument202100003172
Lender
NameTHE FIRST NATIONAL BANK OF PANDORA
TypeBank
AddressPANDORA, OH 45877
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term60 Months
DueJun 1, 2026

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of July 14, 2026

Property Jurisdictions

TypeName
StateOhio
CountyPutnam County
County SubdivisionRiley Township
Unified School DistrictPandora-Gilboa Local School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,157.00 (+365.63%) Homeowner's exemption$107,790 (+1,492.17%) Land $8,840 Building $98,950$307,970 (-) Land $25,260 Building $282,710
2023$678.00 Additional exemption filed$6,770 (-) Land $6,770$307,970 (+1,492.4%) Land $25,260 Building $282,710
2022$678.00$6,770 Land $6,770
2020$19,340 Land $19,340

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 1, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies5 in force
Nearby Flood Claims2 (1981)
Claims Outside the SFHA1 of 2
Most Recent ClaimJun 1981 · rainfall accumulation

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 RiskNot rated
no burnable land within 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 13 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
MetaLINK Technologies
Fixed Wireless		500 / 100
Buckeye Wireless
Fixed Wireless		500 / 50
Watch TV
Fixed Wireless		400 / 40
Verizon
Fixed Wireless		300 / 20
HDER Link
Fixed Wireless		100 / 100

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