2645 Gaithersburg Dr, Lima, OH 45805 Property Records

Allen County property record for 2645 Gaithersburg Dr, Lima, OH 45805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,153 sqft · built 2020
Lot Size	0.499 acres (21,736 sqft)
Owner	2 Individual Names on File
Last Sale	$31,000 (Jan 2020)
Tax Bill	$5,971 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`46-0904-05-012.010`

Property Details

APN / Parcel Number

Primary APN	`46-0904-05-012.010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,153 sqft Living Area
Gross Area	5,052 sqft
1st Floor Area	2,153 sqft
Basement Area	2,153 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	21,736 sqft (0.499 acres)
Lot Dimensions	196 ft deep x 111 ft wide
Garage Type	Attached
Garage Area	746 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Patio Area	90 sqft
Shed	1 Shed
Shed Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2645 GAITHERSBURG DR
City	LIMA
State	OH
Zip	45805-2682
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTICELLO PHASE 3 LOT 30217 JOINT TEN FF 111.00
Legal Subdivision	MONTICELLO
Legal Phase	3
Legal Lot Number	30217
Jurisdiction	ALLEN OH
Township / Civil Division	SHAWNEE
Census Block Group	2
Census Block	2005
Census Tract	12000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Breese, Griffith, Farm listed 1983 · 4 contributing resources · NRIS 83001942

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

2645 Gaithersburg Dr is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2645 GAITHERSBURG DR, LIMA, OH 45805-2682
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 10, 2020	Deed of Trust, Mortgage · Line of Credit GENOA BKNG
Jan 2, 2020	Warranty Deed, Subdivision Related Transfer SUPERIOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2020 · Amount on File
Deed Sale	Jan 2, 2020 · Amount on File
Deed Document Number	202021
Deed Book / Page	2020 / 21
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2645 GAITHERSBURG DR, LIMA, OH 45805-2682
Document Number	0000006419
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2645 GAITHERSBURG DR LIMA OH 45805, LIMA, OH 45805

Mortgage

Document Number	0000006419
Date	Jun 16, 2020
Instrument	6419

Lender

Name	GENOA BKNG
Type	Funding / Finance Company
Address	GENOA, OH 43430

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2050

Interest

Rate Type	Adjustable Rate

January 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Jan 2, 2020
Property Address	2645 GAITHERSBURG DR, LIMA, OH 45805-2682
Document Number	0000000021
Instrument Date	Dec 20, 2019
Instrument	21
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$93.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2645 GAITHERSBURG DR LIMA OH 45805, LIMA, OH 45805

Mortgage

Document Number	86
Date	Jan 2, 2020
Instrument	86

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2645 Gaithersburg Dr was $5,971.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,971.00	$121,700 (-) Land $15,540 Building $106,160	$347,700 (-) Land $44,400 Building $303,300
2024	$5,971.00 (+1.69%) Homeowner's exemption	$121,700 (+15.97%) Land $15,540 Building $106,160	$347,700 Land $44,400 Building $303,300
2023	$5,872.00 (-0.36%) Homeowner's exemption	$104,940 (-) Land $13,410 Building $91,530
2022	$5,893.00 Homeowner's exemption	$104,940 Land $13,410 Building $91,530
2021			$299,800 Land $38,300 Building $261,500

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

Flood

FEMA maps place 2645 Gaithersburg Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1980.

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	4 (1980–2015)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jun 2015 · 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 2645 Gaithersburg Dr 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 94% of the US · lower than 71% 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 171 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
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed, T-Mobile, TSC.

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