3098 Stewart Rd, Lima, OH 45801 Property Records

Allen County property record for 3098 Stewart Rd, Lima, OH 45801

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1997
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Aug 2018)
Tax Bill	$4,798 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`37-1602-01-006.040`

Property Details

APN / Parcel Number

Primary APN	`37-1602-01-006.040`
Alternative APN	`H2737160201006040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
Gross Area	3,808 sqft
1st Floor Area	1,560 sqft
Basement Area	1,560 sqft
Family Room	Family Room

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	435,600 sqft (10 acres)
Garage Type	Attached
Garage Area	688 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Frame Porch
Porch Area	756 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3098 STEWART RD
City	LIMA
State	OH
Zip	45801-2148
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW1/4 JOINT TEN RTS 07-03-16
Jurisdiction	ALLEN OH
Township / Civil Division	BATH
Census Block Group	2
Census Block	2011
Census Tract	11302

Owner

Source: Allen County records, as of October 12, 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	3098 STEWART RD, LIMA, OH 45801-2148
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · Line of Credit UNION BANK
Dec 14, 2021	Deed of Trust, Mortgage SUPERIOR CU
Mar 19, 2020	Deed of Trust, Mortgage · Line of Credit THE UNION BK CO
Aug 16, 2018	Grant Deed, Transfer · Conventional Mortgage THE UNION BK CO
Feb 28, 2018	Trustee's Deed, Construction Loan · Line of Credit CITIZENS NAT'L BK/BLUFFTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2018 · Amount on Record
Deed Sale	Aug 16, 2018 · Amount on Record
Prior Sale	Sep 12, 1997 · Amount on Record
Deed Document Number	20189377
Deed Book / Page	2018 / 9377
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Recording Date	Sep 30, 2026
Property Address	3098 STEWART RD, LIMA, OH 45801-2148
Document Number	0000010323
Instrument Date	Sep 23, 2026
Instrument	202610323
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3098 STEWART RD, LIMA, OH 45801-2148

Mortgage

Document Number	0000010323,
Date	Sep 30, 2026
Instrument	202610323

Lender

Name	UNION BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 30, 2036

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	3098 STEWART RD, LIMA, OH 45801-2148
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12140017317
Date	Dec 14, 2021
Book Page	2021/17317
Instrument	202112140017317

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Dec 9, 2028

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	3098 STEWART RD, LIMA, OH 45801-2148
Document Number	0000002919
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3098 STEWART RD LIMA OH 458012148, LIMA, OH 45801-2148

Mortgage

Document Number	0000002919
Date	Mar 19, 2020
Instrument	2919

Lender

Name	THE UNION BK CO
Type	Bank
Address	COLUMBUS GROVE, OH 45830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 18, 2040

Interest

Rate Type	Adjustable Rate

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEN OH
Recording Date	Aug 16, 2018
Property Address	3098 STEWART RD, LIMA, OH 45801-2148
Document Number	0000009377
Instrument Date	Aug 15, 2018
Instrument	9377
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3098 STEWART RD LIMA OH 458012148, LIMA, OH 45801-2148

Mortgage

Document Number	9378
Date	Aug 16, 2018
Instrument	9378

Lender

Name	THE UNION BK CO
Type	Bank
Address	COLUMBUS GROVE, OH 45830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2048

February 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ALLEN OH
Recording Date	Feb 28, 2018
Property Address	3098 STEWART RD, LIMA, OH 45801-2148
Book / Page	002018 / 002043
Instrument Date	Feb 12, 2018
Instrument	2043
Transaction Type	Construction Loan
Record Updated	Mar 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3098 STEWART RD LIMA OH 458012148, LIMA, OH 45801-2148

Mortgage

Document Number	0000002043
Date	Feb 28, 2018
Book Page	002018/002043
Instrument	2043

Lender

Name	CITIZENS NAT'L BK/BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Feb 27, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,798.00 (-0.54%)	$109,800 (-) Land $22,300 Building $87,500	$313,700 (-) Land $63,700 Building $250,000
2024	$4,824.00 (+14.86%) Homeowner's exemption	$109,800 (+17.98%) Land $22,300 Building $87,500	$313,700 (+17.98%) Land $63,700 Building $250,000
2023	$4,200.00 (-2.17%) Homeowner's exemption	$93,070 (-) Land $18,900 Building $74,170
2022	$4,293.00 Homeowner's exemption	$93,070 Land $18,900 Building $74,170
2021			$265,900 Land $54,000 Building $211,900

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

Source: FEMA National Flood Hazard Layer, effective June 20, 2024

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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: MetaLINK Technologies, Watch TV.

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