2446 Merit Ave, Lima, OH 45805 Property Records

Allen County property record for 2446 Merit Ave, Lima, OH 45805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,496 sqft · built 1961
Lot Size	0.374 acres (16,291 sqft)
Owner	2 Individual Names on Record
Last Sale	$243,000 (Oct 2024)
Tax Bill	$2,350 (2025)
Deeds & Mortgages	Aug 2023 Transfer Nov 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`36-3408-05-014.000`

Property Details

APN / Parcel Number

Primary APN	`36-3408-05-014.000`
Alternative APN	`M3836340805014000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,496 sqft Living Area
Gross Area	3,096 sqft
1st Floor Area	2,496 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Lot Area	16,291 sqft (0.374 acres)
Lot Dimensions	168 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	24 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2446 MERIT AVE
City	LIMA
State	OH
Zip	45805-2529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROSEDALE EXTENSION LOTS T 20337 EXCEPT 44 FT W PT & T 20338 T 20339 W PT FF 96.70 JOINT TEN
Legal Subdivision	ROSEDALE EXTENSION
Legal Lot Number	20337
Jurisdiction	ALLEN OH
Township / Civil Division	LIMA
Census Block Group	2
Census Block	2037
Census Tract	10900

Owner

Source: Allen County records, as of August 18, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2446 MERIT AVE, LIMA, OH 45805-2529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2023	Affidavit of Death of Joint Tenant, Transfer
Nov 30, 2021	Transfer on Death Deed, Transfer
Nov 30, 2021	Intrafamily Transfer, Transfer
Jan 11, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 4, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Dec 19, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2024 · Amount on Record
Deed Sale	Oct 25, 2024 · Amount on Record
Prior Sale	Sep 28, 2015 · Amount on Record
Deed Document Number	20249838
Prior Transfer Date	Aug 3, 2023
Prior Transfer Doc	0000006651
Record Updated	Sep 20, 2026

August 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ALLEN OH
Recording Date	Aug 3, 2023
Property Address	2446 MERIT AVE, LIMA, OH 45805-2529
Document Number	8030006651
Book / Page	2023 / 6651
Map Reference	MB 7 PG 112
Instrument Date	Aug 3, 2023
Instrument	202308030006651
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2446 MERIT AVE, LIMA, OH 45805-2529

November 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ALLEN OH
Recording Date	Nov 30, 2021
Property Address	2446 MERIT AVE, LIMA, OH 45805-2529
Document Number	11300016618
Book / Page	2021 / 6618
Map Reference	MB 7 PG 112
Instrument Date	Nov 23, 2021
Instrument	202111300016618
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEN OH
Recording Date	Nov 30, 2021
Property Address	2446 MERIT AVE, LIMA, OH 45805-2529
Document Number	11300016617
Book / Page	2021 / 16617
Map Reference	M 7 PG 112
Instrument Date	Nov 23, 2021
Instrument	202111300016617
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2446 MERIT AVE, LIMA, OH 45805-2529

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2446 MERIT AVE, LIMA, OH 45805-2529
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1110000355
Date	Jan 11, 2021
Book Page	2021/355
Instrument	202101110000355

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Mar 1, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2446 MERIT AVE, LIMA, OH 45805-2529
Document Number	0000001186
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2446 MERIT AVE LIMA OH 458052529, LIMA, OH 45805-2529

Mortgage

Document Number	0000001186
Date	Feb 3, 2020
Instrument	1186

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2446 MERIT AVE, LIMA, OH 45805-2529
Document Number	0000014352
Instrument Date	Dec 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2446 MERIT AVE LIMA OH 458052529, LIMA, OH 45805-2529

Mortgage

Document Number	0000014352
Date	Dec 26, 2018
Instrument	14352

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2048

Tax Assessment & Valuation

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	$2,350.00 (+39.14%)	$66,540 (-) Land $12,570 Building $53,970	$190,100 (-) Land $35,900 Building $154,200
2024	$1,689.00 (+37.21%) Homeowner's exemption	$66,540 (+41.97%) Land $12,570 Building $53,970	$190,100 (+41.97%) Land $35,900 Building $154,200
2023	$1,231.00 (-0.4%) Homeowner's exemption	$46,870 (-) Land $8,860 Building $38,010
2022	$1,236.00 Homeowner's exemption	$46,870 Land $8,860 Building $38,010
2021			$133,900 Land $25,300 Building $108,600

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.

Flood

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 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2007 · Severe Storms, Flooding, And Tornadoes

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 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.

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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40

May also be available: Brightspeed, TSC, Verizon.

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