2540 Lowell Ave, Lima, OH 45805 Property Records

Allen County property record for 2540 Lowell Ave, Lima, OH 45805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,604 sqft · built 1971
Lot Size	0.406 acres (17,685 sqft)
Owner	Individual Name on File
Tax Bill	$2,369 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`36-3409-01-022.001`

Property Details

APN / Parcel Number

Primary APN	`36-3409-01-022.001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,604 sqft Living Area
Gross Area	3,248 sqft
1st Floor Area	1,604 sqft
Basement Area	1,044 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Lot Area	17,685 sqft (0.406 acres)
Lot Dimensions	177 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	52 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2540 LOWELL AVE
City	LIMA
State	OH
Zip	45805-3027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VERNON HEIGHTS NO 2 REPLAT OF LOT 19835 LOT 30410 FF 100.00
Legal Subdivision	VERNON HEIGHTS
Legal Lot Number	30410
Jurisdiction	ALLEN OH
Township / Civil Division	AMERICAN
Census Block Group	3
Census Block	3000
Census Tract	10900

Owner

2540 Lowell Ave is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	2540 LOWELL AVE, LIMA, OH 45805-3027
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
Sep 19, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK OF WESTERN OHIO
Oct 27, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jan 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Jul 29, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/WSTN OH
Apr 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK/W OH
Apr 27, 2018	Deed of Trust, Mortgage · Conventional with PMI FIFTH THIRD BK/NTHRN

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2540 LOWELL AVE, LIMA, OH 45805-3027
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 LOWELL AVE, LIMA, OH 45805-3027

Mortgage

Document Number	9190009620
Date	Sep 19, 2025
Book Page	2025/9620
Instrument	202509190009620

Lender

Name	FIFTH THIRD BANK OF WESTERN OHIO
Type	Bank
Address	5050 KINGSLEY DR, CINCINNATI, OH 45227

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 25, 2055

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2540 LOWELL AVE, LIMA, OH 45805-3027
Transaction Type	Mortgage
Record Updated	Nov 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 LOWELL AVE, LIMA, OH 45805-3027

Mortgage

Document Number	10270012439
Date	Oct 27, 2022
Book Page	2022/12439
Instrument	202210270012439

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Jul 25, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2540 LOWELL AVE, LIMA, OH 45805-3027
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1120000419
Date	Jan 12, 2021
Book Page	2021/419
Instrument	202101120000419

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2540 LOWELL AVE, LIMA, OH 45805-3027
Document Number	0000008794
Instrument Date	Jul 29, 2019
Transaction Type	Mortgage
Record Updated	Sep 5, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 LOWELL AVE LIMA OH 458053027, LIMA, OH 45805-3027

Mortgage

Document Number	0000008794
Date	Aug 26, 2019
Instrument	8794

Lender

Name	FIFTH THIRD BK/WSTN OH
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2049

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2540 LOWELL AVE, LIMA, OH 45805-3027
Document Number	0000005505
Instrument Date	Apr 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 LOWELL AVE LIMA OH 458053027, LIMA, OH 45805-3027

Mortgage

Document Number	0000005505
Date	May 17, 2018
Instrument	5505

Lender

Name	FIFTH THIRD BK/W OH
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 16, 2048

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2540 LOWELL AVE, LIMA, OH 45805-3027
Document Number	0000005504
Instrument Date	Apr 27, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 LOWELL AVE LIMA OH 458053027, LIMA, OH 45805-3027

Mortgage

Document Number	0000005504
Date	May 17, 2018
Instrument	5504

Lender

Name	FIFTH THIRD BK/NTHRN
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 16, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2540 Lowell Ave was $2,369 with a homeowner's exemption, down 0.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	American Township
Unified School District	Shawnee Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,369.00 (-0.63%)	$63,500 (-) Land $9,000 Building $54,500	$181,400 (-) Land $25,700 Building $155,700
2024	$2,384.00 (+12.14%) Homeowner's exemption	$63,500 (+22.99%) Land $9,000 Building $54,500	$181,400 Land $25,700 Building $155,700
2023	$2,126.00 (-1.8%) Homeowner's exemption	$51,630 (-) Land $7,320 Building $44,310
2022	$2,165.00 Homeowner's exemption	$51,630 Land $7,320 Building $44,310
2021			$147,500 Land $20,900 Building $126,600

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

Flood

FEMA maps place 2540 Lowell Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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 Policies	1 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2016 · river or lake flooding

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 2540 Lowell Ave 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 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.

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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