Putnam County property record for 23872 Rd M, Cloverdale, OH 45827
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,920 sqft · built 1977 |
| Lot Size | 2.23 acres (97,182 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,000 (Jul 2008) |
| Tax Bill | $3,091 (2025) |
| Deeds & Mortgages | Sep 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-012111.0000 |
| Primary APN | 10-012111.0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 1,920 sqft Living Area |
| 1st Floor Area | 1,920 sqft |
| Basement Area | 1,344 sqft |
| Finished Basement | 896 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 97,182 sqft (2.23 acres) |
| Garage Area | 1,008 sqft |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 150 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Water Source | Private |
| Street Address | 23872 ROAD M |
|---|---|
| City | CLOVERDALE |
| State | OH |
| Zip | 45827-9405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1N 5E 32 SMDPT MDPT SW |
| Legal Range | 5E |
| Legal Township | 1N |
| Legal Section | 32 |
| Jurisdiction | PUTNAM OH |
| Township / Civil Division | JACKSON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 30700 |
Source: Putnam County records, as of July 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 23872 ROAD M, CLOVERDALE, OH 45827-9405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2008 · Amount on Record |
| Deed Sale | Jul 1, 2008 · Amount on Record |
| Deed Document Number | 20083880 |
| Deed Book / Page | 593 / 2052 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PUTNAM OH |
| Property Address | 23872 ROAD M, CLOVERDALE, OH 45827-9405 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 725/702 |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 725/702 |
| Instrument | 202000004651 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 26, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,091.00 (+2.35%) Homeowner's exemption | $87,960 (+34.99%) Land $6,550 Building $81,410 | $252,610 (+0.52%) Land $18,700 Building $233,910 |
| 2023 | $3,020.00 (+11.77%) Homeowner's exemption Additional exemption filed | $65,160 (-) Land $4,890 Building $60,270 | $251,310 (+34.99%) Land $18,710 Building $232,600 |
| 2022 | $2,702.00 Homeowner's exemption | $65,160 Land $4,890 Building $60,270 | |
| 2020 | $186,170 Land $13,970 Building $172,200 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% 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.
Source: FCC Broadband Data Collection, based on 10 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 |
May also be available: MetaLINK Technologies.
5G (outdoors only) and 4G LTE
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