Putnam County property record for 23728 Rd M, Cloverdale, OH 45827
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,872 sqft · built 1880 |
| Lot Size | 1.42 acres (61,855 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $123,000 (Aug 2015) |
| Tax Bill | $2,173 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-012101.0000 |
| Primary APN | 10-012101.0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,872 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Upper Floors Area | 960 sqft |
| Basement Area | 480 sqft |
| Unfinished Basement | 480 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Rolled Roofing |
| Lot Area | 61,855 sqft (1.42 acres) |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Private |
| Street Address | 23728 ROAD M |
|---|---|
| City | CLOVERDALE |
| State | OH |
| Zip | 45827-9405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1N 5E 32 SMDPT E SW |
| Legal Range | 5E |
| Legal Township | 1N |
| Legal Section | 32 |
| Legal Subdivision | ANTHONY LANGHALS PLATTING |
| Jurisdiction | PUTNAM OH |
| Township / Civil Division | JACKSON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 30700 |
23728 Rd M is owned and occupied by two individuals who bought it in August 2015.
Source: Putnam County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23728 ROAD M, CLOVERDALE, OH 45827-9405 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2015 · Amount on File |
| Deed Sale | Aug 6, 2015 · Amount on File |
| Prior Sale | Mar 17, 2009 · Amount on File |
| Deed Document Number | 20153059 |
| Deed Book / Page | 671 / 1844 |
| Prior Transfer Date | May 20, 2015 |
| Prior Transfer Doc | 00669/2166 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM OH |
| Property Address | 23728 ROAD M, CLOVERDALE, OH 45827-9405 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00720/1924 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 720/1924 |
| Instrument | 202000002288 |
| Name | FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FORT WAYNE, IN 46808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2035 |
The 2025 property tax bill for 23728 Rd M was $2,173 with a homeowner's exemption.
Source: Putnam County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Putnam County |
| County Subdivision | Jackson Township |
| Unified School District | Ottoville Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,173.00 Homeowner's exemption | $61,660 Land $5,130 Building $56,530 | $176,170 Land $14,660 Building $161,510 |
| 2023 | $2,121.00 (+12.1%) Homeowner's exemption Additional exemption filed | $45,420 (-) Land $3,950 Building $41,470 | $176,170 Land $14,660 Building $161,510 |
| 2022 | $1,892.00 Homeowner's exemption | $45,420 Land $3,950 Building $41,470 | |
| 2020 | $129,780 Land $11,290 Building $118,490 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 23728 Rd M in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 1, 2022
| 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.
The area around 23728 Rd M 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ottoville Mutual Telephone Company Fiber | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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