2971 Vera Way, Lima, OH 45805 Property Records

Allen County property record for 2971 Vera Way, Lima, OH 45805

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,100 sqft · built 2005
Lot Size	0.59 acres (25,700 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Oct 2020)
Tax Bill	$2,692 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-3410-04-016.502`

Property Details

APN / Parcel Number

Primary APN	`36-3410-04-016.502`
Alternative APN	`G2336341004016502`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
Gross Area	1,572 sqft
1st Floor Area	1,100 sqft
Family Room	Family Room

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	25,700 sqft (0.59 acres)
Garage Type	Attached
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	20 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2971 VERA WAY
City	LIMA
State	OH
Zip	45805-5907
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VILLA COMMUNITY AT THE OUTER BANKS CONDOMINIUMS PHASE VIII REDBIRD-C UNIT E
Legal Subdivision	VILLA COMMUNITY AT THE OUTER BANKS
Legal Phase	VIII
Jurisdiction	ALLEN OH
Township / Civil Division	AMERICAN
Census Block Group	3
Census Block	3003
Census Tract	10900

Owner

2971 Vera Way, a condominium, is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2971 VERA WAY, LIMA, OH 45805-5907
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
Oct 10, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 16, 2020	Warranty Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC
May 5, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on File
Deed Sale	Oct 16, 2020 · Amount on File
Prior Sale	May 5, 2017 · Amount on File
Deed Document Number	202012787
Deed Book / Page	2020 / 12787
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	2971 VERA WAY, LIMA, OH 45805-5907
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2971 VERA WAY, LIMA, OH 45805-5907

Mortgage

Document Number	10100010395
Date	Oct 10, 2025
Book Page	2025/10395
Instrument	202510100010395

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	5555 CLEVELAND AVE, COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 29, 2055

Interest

Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Oct 16, 2020
Property Address	2971 VERA WAY, LIMA, OH 45805-5907
Document Number	0000012787
Instrument Date	Oct 16, 2020
Instrument	12787
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$381.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2971 VERA WAY LIMA OH 458055907, LIMA, OH 45805-5907

Mortgage

Document Number	12788
Date	Oct 16, 2020
Instrument	12788

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	May 5, 2017
Property Address	2971 VERA WAY, LIMA, OH 45805-5907
Document Number	0000004852
Instrument Date	May 5, 2017
Instrument	4852
Transaction Type	Transfer
Record Updated	Jun 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$315.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2971 VERA WAY LIMA OH 458055907, LIMA, OH 45805-5907

Tax Assessment & Valuation

The 2025 property tax bill for 2971 Vera Way was $2,692, down 0.1% 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	$2,692.00 (-0.07%)	$60,800 (-) Land $9,660 Building $51,140	$173,700 (-) Land $27,600 Building $146,100
2024	$2,694.00 (+22.57%) Homeowner's exemption	$60,800 (+37.96%) Land $9,660 Building $51,140	$173,700 Land $27,600 Building $146,100
2023	$2,198.00 (-0.59%) Homeowner's exemption	$44,070 (-) Land $7,000 Building $37,070
2022	$2,211.00 Homeowner's exemption	$44,070 Land $7,000 Building $37,070
2021			$125,900 Land $20,000 Building $105,900

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

FEMA maps place 2971 Vera Way 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 2971 Vera Way 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 330 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
T-Mobile Fixed Wireless	100 / 20

May also be available: TSC.

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