324 W Oak St, Payne, OH 45880 Property Records

Paulding County property record for 324 W Oak St, Payne, OH 45880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,980 sqft · built 1997
Lot Size	0.171 acres (7,449 sqft)
Owner	2 Individual Names on File
Last Sale	$129,000 (Sep 2018)
Tax Bill	$1,389 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Apr 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-10S-013-00`

Property Details

APN / Parcel Number

Primary APN	`19-10S-013-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
1st Floor Area	2,912 sqft
Attic	Attic
Attic Area	524 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	7,449 sqft (0.171 acres)
Lot Dimensions	126 ft deep x 59 ft wide
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	94 sqft
Patio Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	324 W OAK ST
City	PAYNE
State	OH
Zip	45880-9482
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 36 GIBSON 3RD ADD PAYNE VILL
Legal Subdivision	CARTWRIGHT AND GIBSONS THIRD ADDITION
Legal Lot Number	36
Jurisdiction	PAULDING OH
Township / Civil Division	HARRISON
Census Block Group	4
Census Block	4017
Census Tract	960300

Owner

324 W Oak St is owned and occupied by two individuals who acquired it in April 2023.

Source: Paulding County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	324 W OAK ST, PAYNE, OH 45880-9482
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
Mar 26, 2020	Deed of Trust, Mortgage · Line of Credit THE STATE BANK & TRUST CO
Apr 6, 2023	Transfer on Death Deed, Transfer
Mar 26, 2020	Deed of Trust, Mortgage · Line of Credit THE STATE BANK & TRUST CO
Sep 10, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2018 · Amount on File
Deed Sale	Sep 10, 2018 · Amount on File
Prior Sale	Jan 23, 1997 · Amount on File
Deed Document Number	20182164
Deed Book / Page	585 / 996
Last Transfer Date	Apr 6, 2023
Transfer Doc	00612/1382
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAULDING OH
Property Address	324 W OAK ST, PAYNE, OH 45880-9482
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00594/1086
Date	Mar 26, 2020
Book Page	594/1086
Instrument	202000000671

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 24, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	PAULDING OH
Recording Date	Apr 6, 2023
Property Address	324 W OAK ST, PAYNE, OH 45880-9482
Document Number	00612/1382
Book / Page	612 / 1382
Instrument Date	Apr 5, 2023
Instrument	202300000600
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 W OAK ST, PAYNE, OH 45880-9482

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAULDING OH
Property Address	324 W OAK ST, PAYNE, OH 45880-9482
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	594/1086
Date	Mar 26, 2020
Book Page	594/1086
Instrument	202000000671

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 24, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAULDING OH
Recording Date	Sep 10, 2018
Property Address	324 W OAK ST, PAYNE, OH 45880-9482
Document Number	00585/0996
Book / Page	585 / 0996
Instrument Date	Sep 4, 2018
Instrument	201800002164
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Tax	$129.00
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	324 W OAK ST, PAYNE, OH 45880-9482

Tax Assessment & Valuation

The 2025 property tax bill for 324 W Oak St was $1,389 with a homeowner's exemption, up 7.1% from the year before.

Source: Paulding County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Paulding County
County Subdivision	Harrison Township
Municipality	Payne Village
Unified School District	Wayne Trace Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,389.00 (+7.09%) Homeowner's exemption	$47,260 (+12.04%) Land $3,820 Building $43,440	$135,000 Land $10,900 Building $124,100
2024	$1,297.00 (+2.05%) Homeowner's exemption	$42,180 (-) Land $3,400 Building $38,780
2023	$1,271.00 (-2.23%) Homeowner's exemption	$42,180 (-) Land $3,400 Building $38,780
2022	$1,300.00 Homeowner's exemption	$42,180 Land $3,400 Building $38,780	$120,500 Land $9,700 Building $110,800

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 324 W Oak St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective November 4, 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
Nearby Flood Policies	5 in force
Nearby Flood Claims	7 (1985–2021)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Jul 2021 · rainfall accumulation

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 324 W Oak 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 97% of the US · lower than 85% 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	PAYNE VILLAGE PWS serves 1,550 people · EPA ID OH6300712
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fiber · Fixed Wireless	1,000 / 1,000
Lakeland Internet Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Watch TV.

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