2097 W Market St, Lima, OH 45805 Property Records

Allen County property record for 2097 W Market St, Lima, OH 45805

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,376 sqft · built 1948
Lot Size	0.227 acres (9,888 sqft)
Owner	2 Individual Names on File
Last Sale	$1,000 (Mar 2019)
Tax Bill	$2,072 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-3507-07-004.000`

Property Details

APN / Parcel Number

Primary APN	`36-3507-07-004.000`
Alternative APN	`M3836350707004000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,376 sqft Living Area
Gross Area	3,404 sqft
1st Floor Area	928 sqft
Upper Floors Area	1,238 sqft
Basement Area	754 sqft
Finished Basement	210 sqft
Unfinished Basement	544 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	9,888 sqft (0.227 acres)
Lot Dimensions	117 ft deep x 84.2 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	140 sqft
Patio Area	378 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	2097 W MARKET ST
City	LIMA
State	OH
Zip	45805-2365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLATS NO 3 & 4 WESTWOOD PT LOT 16507 FF 65.65 NSRNT
Legal Subdivision	WESTWOOD
Legal Lot Number	16507
Jurisdiction	ALLEN OH
Township / Civil Division	LIMA
Census Block Group	2
Census Block	2005
Census Tract	13100

Owner

2097 W Market St is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2097 W MARKET ST, LIMA, OH 45805-2365
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Deed of Trust, Mortgage · Line of Credit THE UNION BANK CO
Jan 18, 2019	Deed of Trust, Mortgage · Line of Credit THE UNION BK CO
Mar 7, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2019 · Amount on File
Deed Sale	Mar 7, 2019 · Amount on File
Prior Sale	Sep 26, 1997 · Amount on File
Deed Document Number	20191955
Deed Book / Page	2019 / 1955
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2097 W MARKET ST, LIMA, OH 45805-2365
Transaction Type	Mortgage
Record Updated	Aug 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8070006730
Date	Aug 7, 2023
Book Page	2023/6730
Instrument	202308070006730

Lender

Name	THE UNION BANK CO
Type	Bank
Address	LIMA, OH 45805

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 30, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2097 W MARKET ST, LIMA, OH 45805-2365
Document Number	0000000667
Instrument Date	Jan 18, 2019
Transaction Type	Mortgage
Record Updated	Feb 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2097 W MARKET ST LIMA OH 458052365, LIMA, OH 45805-2365

Mortgage

Document Number	0000000667
Date	Jan 24, 2019
Book Page	002019/000667
Instrument	667

Lender

Name	THE UNION BK CO
Type	Bank
Address	LIMA, OH 45804

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 23, 2029

Interest

Rate Type	Adjustable Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Mar 7, 2019
Property Address	2097 W MARKET ST, LIMA, OH 45805-2365
Document Number	0000001955
Instrument Date	Dec 18, 2018
Instrument	1955
Transaction Type	Transfer
Record Updated	Mar 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2063 W MARKET ST LIMA OH 458052365, LIMA, OH 45805-2365

Tax Assessment & Valuation

The 2025 property tax bill for 2097 W Market St was $2,072.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
Municipality	Lima City
Unified School District	Lima City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,072.00	$58,660 (-) Land $8,120 Building $50,540	$167,600 (-) Land $23,200 Building $144,400
2024	$2,072.00 (+23.55%) Homeowner's exemption	$58,660 (+43%) Land $8,120 Building $50,540	$167,600 Land $23,200 Building $144,400
2023	$1,677.00 (-0.59%) Homeowner's exemption	$41,020 (-) Land $5,670 Building $35,350
2022	$1,687.00 Homeowner's exemption	$41,020 Land $5,670 Building $35,350
2021			$117,200 Land $16,200 Building $101,000

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

Flood

FEMA maps place 2097 W Market St 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 June 20, 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)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 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

Wildfire risk around 2097 W Market 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 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LIMA CITY serves 65,619 people · EPA ID OH0200811
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2026 Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Dec 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
AT&T Fixed Wireless	100 / 20

May also be available: TSC, Verizon.

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