Allen County property record for 3118 Cardinal St, Harrod, OH 45850
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,027 sqft · built 1945 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $39,000 (Aug 1992) |
| Tax Bill | $471 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-1808-04-001.000 |
| Primary APN | 48-1808-04-001.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,027 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Attic | Attic |
| Attic Area | 115 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 132 ft deep x 132 ft wide |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 20 sqft |
| Deck Area | 324 sqft |
| Patio Area | 324 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3118 CARDINAL ST |
|---|---|
| City | HARROD |
| State | OH |
| Zip | 45850-9757 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTMINSTER LOTS 49 & 55 JOINT TEN FF 132.00 |
| Legal Subdivision | WESTMINSTER LOTS |
| Legal Lot Number | 49 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | AUGLAIZE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 11500 |
3118 Cardinal St is owned and occupied by two individuals who bought it in August 1992.
Source: Allen County records, as of May 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3118 CARDINAL ST, HARROD, OH 45850-9757 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 1992 · Amount on File |
| Deed Sale | Aug 31, 1992 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Property Address | 3118 CARDINAL ST, HARROD, OH 45850-9757 |
| Document Number | 0000004297 |
| Instrument Date | Apr 4, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000004297 |
|---|---|
| Date | Apr 23, 2018 |
| Instrument | 4297 |
| Name | ALLEN CNTY BOARD OF COMMISSION |
|---|---|
| Address | 204 N MAIN ST # 301, LIMA, OH 45801-4462 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 3118 Cardinal St was $471 with a homeowner's exemption, down 2.5% from the year before.
Source: Allen County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Allen County |
| County Subdivision | Auglaize Township |
| Unified School District | Allen East Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $471.00 (-2.48%) | $23,670 (-) Land $8,440 Building $15,230 | $67,600 (-) Land $24,100 Building $43,500 |
| 2024 | $483.00 (+70.67%) Homeowner's exemption | $23,670 (+45.13%) Land $8,440 Building $15,230 | $67,600 Land $24,100 Building $43,500 |
| 2023 | $283.00 (-3.08%) Homeowner's exemption | $16,310 (-) Land $5,810 Building $10,500 | |
| 2022 | $292.00 Homeowner's exemption | $16,310 Land $5,810 Building $10,500 | |
| 2021 | $46,600 Land $16,600 Building $30,000 |
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.
FEMA maps place 3118 Cardinal St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2011.
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 | 3 in force |
| Nearby Flood Claims | 3 (2011–2015) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Dec 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 risk around 3118 Cardinal St 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.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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