Hardin County property record for 18020 Co Rd 20, Forest, OH 45843
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,516 sqft · built 1978 |
| Lot Size | 2.02 acres (87,991 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,680 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-150045.0000 |
| Primary APN | 20-150045.0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,516 sqft Living Area |
| 1st Floor Area | 1,516 sqft |
| Basement Area | 1,316 sqft |
| Unfinished Basement | 1,316 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 87,991 sqft (2.02 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 84 sqft |
| Deck Area | 520 sqft |
| Shed | 1 Shed |
| Shed Area | 276 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 18020 COUNTY ROAD 20 |
|---|---|
| City | FOREST |
| State | OH |
| Zip | 45843-9148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT W1/2 NW1/4 S7 2.02A |
| Jurisdiction | HARDIN OH |
| Township / Civil Division | JACKSON |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 100 |
18020 Co Rd 20 is owned and occupied by an individual who acquired it in February 2013.
Source: Hardin County records, as of March 31, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 18020 COUNTY ROAD 20, FOREST, OH 45843-9148 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 8, 2021 | Deed of Trust, Mortgage · Line of Credit HSLC |
| Aug 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HOME SVGS & LOAN CO OF YOUNGSTOWN OH |
| Jul 17, 2019 | Deed of Trust, Mortgage · Line of Credit THE HOME SVGS & LOAN CO OF YOUNGSTOWN OH |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2013 |
| Deed Sale | Feb 12, 2013 |
| Prior Sale | Mar 11, 1998 · Amount on File |
| Deed Document Number | 201370969 |
| Deed Book / Page | 512 / 2338 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN OH |
| Property Address | 18020 COUNTY ROAD 20, FOREST, OH 45843-9148 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 562/2648 |
|---|---|
| Date | Oct 8, 2021 |
| Book Page | 562/2648 |
| Instrument | 202100003735 |
| Name | HSLC |
|---|---|
| Address | KENTON, OH 43326 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 4, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN OH |
| Property Address | 18020 COUNTY ROAD 20, FOREST, OH 45843-9148 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 561/3923 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 561/3923 |
| Instrument | 202100002837 |
| Name | THE HOME SVGS & LOAN CO OF YOUNGSTOWN OH |
|---|---|
| Type | Mortgage Company |
| Address | KENTON, OH 43326 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN OH |
| Property Address | 18020 COUNTY ROAD 20, FOREST, OH 45843-9148 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2019 |
| Name | Verified Name |
|---|
| Document Number | 553/2474 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | 553/2474 |
| Instrument | 201900002001 |
| Name | THE HOME SVGS & LOAN CO OF YOUNGSTOWN OH |
|---|---|
| Type | Bank |
| Address | KENTON, OH 43326 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2034 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 18020 Co Rd 20 was $1,680 with a homeowner's exemption.
Source: Hardin County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hardin County |
| County Subdivision | Jackson Township |
| Unified School District | Riverdale Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,680.00 | $55,650 (-) Land $7,040 Building $48,610 | |
| 2024 | $1,680.00 (+1.02%) Homeowner's exemption | $55,650 (-) Land $7,040 Building $48,610 | |
| 2023 | $1,663.00 (+6.81%) Homeowner's exemption | $55,650 (+23.89%) Land $7,040 Building $48,610 | $159,000 Land $20,110 Building $138,890 |
| 2022 | $1,557.00 Homeowner's exemption | $44,920 Land $5,480 Building $39,440 | |
| 2020 | $128,350 Land $15,660 Building $112,690 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18020 Co Rd 20 in Zone X, an area of minimal flood risk.
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 Policies | 2 in force |
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.
The area around 18020 Co Rd 20 has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 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 |
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