312 Ridge Rd, Ottawa, OH 45875 Property Records

Putnam County property record for 312 Ridge Rd, Ottawa, OH 45875

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,706 sqft · built 2020
Lot Size	0.407 acres (17,729 sqft)
Owner	2 Individual Names on Record
Tax Bill	$334 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`32-202000.0000`

Property Details

APN / Parcel Number

Primary APN	`32-202000.0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,706 sqft Living Area
1st Floor Area	2,706 sqft
Basement Area	2,706 sqft
Unfinished Basement	2,706 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Type	Hip
Roof Material	Shingle
Lot Area	17,729 sqft (0.407 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	312 RIDGE RD
City	OTTAWA
State	OH
Zip	45875-1781
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 01521 HARVEST RIDGE 2ND ADDITION
Legal Subdivision	HARVEST RIDGE 2ND ADDITION
Legal Lot Number	1521
Jurisdiction	PUTNAM OH
Township / Civil Division	OTTAWA
Census Block Group	2
Census Block	2024
Census Tract	30302

Owner

Source: Putnam County records, as of July 14, 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	312 RIDGE RD, OTTAWA, OH 45875-1781
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2020	Deed of Trust, Mortgage SUPERIOR CU INC
Mar 31, 2020	Warranty Deed, Transfer · Construction Mortgage THE FORT JENNINGS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	312 RIDGE RD, OTTAWA, OH 45875-1781
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000728/836
Date	Dec 8, 2020
Book Page	728/836
Instrument	202000006245

Lender

Name	SUPERIOR CU INC
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM OH
Recording Date	Mar 31, 2020
Property Address	312 RIDGE RD, OTTAWA, OH 45875-1781
Document Number	00718/2204
Book / Page	718 / 2204
Map Reference	MB 70 PG 2&3
Instrument Date	Mar 4, 2020
Instrument	202000001339
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	312 RIDGE RD, OTTAWA, OH 45875-1781

Mortgage

Document Number	00718/2206
Date	Mar 31, 2020
Book Page	718/2206
Instrument	202000001340

Lender

Name	THE FORT JENNINGS STATE BANK
Type	Bank
Address	FORT JENNINGS, OH 45844

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Apr 1, 2021

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Putnam County
County Subdivision	Ottawa Township
Municipality	Ottawa Village
Unified School District	Ottawa-Glandorf Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$334.00 (+3.09%) Homeowner's exemption	$10,110 (+28.63%) Land $10,110	$475,200 (+1,544.86%) Land $28,890 Building $446,310
2023	$324.00 (+13.29%) Homeowner's exemption Additional exemption filed	$7,860 (-) Land $7,860	$28,890 (+28.63%) Land $28,890
2022	$286.00	$7,860 Land $7,860
2020			$22,460 Land $22,460

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 December 1, 2022 · 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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	4 (2007–2013)
Most Recent Claim	Dec 2013 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 3 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	OTTAWA VILLAGE serves 4,393 people · EPA ID OH6900711
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
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: HDER Link, MetaLINK Technologies.

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