324 Ridge Rd, Ottawa, OH 45875 Property Records

Putnam County property record for 324 Ridge Rd, Ottawa, OH 45875

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,539 sqft · built 2009
Lot Size	0.533 acres (23,217 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,000 (Nov 2004)
Tax Bill	$5,485 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-204000.0000`

Property Details

APN / Parcel Number

Primary APN	`32-204000.0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,539 sqft Living Area
1st Floor Area	1,785 sqft
Upper Floors Area	477 sqft
Attic	Attic
Attic Area	1,020 sqft
Basement Area	1,785 sqft
Unfinished Basement	1,785 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	23,217 sqft (0.533 acres)
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Geothermal

Location & Zoning

Street Address	324 RIDGE RD
City	OTTAWA
State	OH
Zip	45875-1781
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 01522 HARVEST RIDGE 2ND ADDITION
Legal Subdivision	HARVEST RIDGE 2ND ADDITION
Legal Lot Number	1522
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	324 RIDGE RD, OTTAWA, OH 45875-1781
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BANK
Sep 4, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST FEDERAL BANK OF THE MIDWEST
Dec 8, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2004 · Amount on Record
Deed Sale	Nov 6, 2004 · Amount on Record
Deed Document Number	2004218
Last Transfer Date	Dec 7, 2017
Transfer Doc	00694/2264
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	324 RIDGE RD, OTTAWA, OH 45875-1781
Transaction Type	Mortgage
Record Updated	Jul 22, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	722/1673
Date	Jul 14, 2020
Book Page	722/1673
Instrument	202000003261

Lender

Name	PREMIER BANK
Type	Bank
Address	YOUNGSTOWN, OH 44503

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	324 RIDGE RD, OTTAWA, OH 45875-1781
Transaction Type	Mortgage
Record Updated	Sep 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	702/1829
Date	Sep 4, 2018
Book Page	702/1829
Instrument	201800004053

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PUTNAM OH
Recording Date	Dec 8, 2017
Property Address	324 RIDGE RD, OTTAWA, OH 45875-1781
Document Number	00694/2264
Book / Page	694 / 2264
Map Reference	VOL116 PG350
Instrument Date	Dec 7, 2017
Instrument	201700005283
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	324 RIDGE RD, OTTAWA, OH 45875-1781

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	$5,485.00 (+2.73%) Homeowner's exemption	$166,650 (+0.33%) Land $7,480 Building $159,170	$476,140 (+0.33%) Land $21,370 Building $454,770
2024	$5,339.00 (-0.39%) Homeowner's exemption	$166,100 (+26.96%) Land $7,480 Building $158,620
2023	$5,360.00 (+11.95%) Homeowner's exemption Additional exemption filed	$130,830 (-) Land $5,820 Building $125,010	$474,570 (+26.96%) Land $21,370 Building $453,200
2022	$4,788.00 Homeowner's exemption	$130,830 Land $5,820 Building $125,010
2020			$373,800 Land $16,630 Building $357,170

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

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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