3281 Payday Ln, Columbus, OH 43232 Property Records

Franklin County property record for 3281 Payday Ln, Columbus, OH 43232

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,512 sqft · built 2003
Lot Size	0.151 acres (6,600 sqft)
Owner	Owner Name on File
Last Sale	$151,450 (Oct 2004)
Tax Bill	$4,454 (2024)
Deeds & Mortgages	Jun 2022 Mortgage Jul 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`010-264956`

Property Details

APN / Parcel Number

Primary APN	`010-264956`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,512 sqft Living Area
1st Floor Area	1,077 sqft
2nd Floor Area	1,392 sqft
Family Room	Family Room

Exterior

Year Built	Built 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	6,600 sqft (0.151 acres)
Lot Dimensions	120 ft deep x 55 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3281 PAYDAY LN
City	COLUMBUS
State	OH
Zip	43232-7427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAYDAY LANE CHATTERTON EAST SECTION 2 LOT 148
Legal Subdivision	CHATTERTON EAST SEC 2
Legal Lot Number	148
Jurisdiction	FRANKLIN OH
Township / Civil Division	COLUMBUS
Census Block Group	1
Census Block	1020
Census Tract	9373

Owner

The current owner of 3281 Payday Ln bought it in October 2004.

Source: Franklin County records, as of February 2, 2026

Owner of Record	Owner Name on File
Mailing Address	3281 PAYDAY LN, COLUMBUS, OH 43232-7427
Occupancy	Owner Occupied

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
Jun 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 13, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2004 · Amount on File
Deed Sale	Oct 19, 2004 · Amount on File
Deed Document Number	28562
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN OH
Property Address	3281 PAYDAY LN, COLUMBUS, OH 43232-7427
Transaction Type	Mortgage
Record Updated	Jul 13, 2022
Title Company	BAY NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000096263
Date	Jun 30, 2022
Instrument	202206300096263

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN OH
Property Address	3281 PAYDAY LN, COLUMBUS, OH 43232-7427
Transaction Type	Mortgage
Record Updated	Jul 22, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3281 PAYDAY LN, COLUMBUS, OH 43232-7427

Mortgage

Document Number	0000122384
Date	Jul 13, 2021
Instrument	202107130122384

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	260 Months
Due	Mar 1, 2043

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of August 1, 2024

Property Jurisdictions

Type	Name
State	Ohio
County	Franklin County
Municipality	Columbus City
Unified School District	Groveport Madison Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$4,454.00 (+1.6%) Homeowner's exemption	$98,950 (-) Land $23,870 Building $75,080
2023	$4,384.00 (+46.52%) Homeowner's exemption	$98,950 (+71.52%) Land $23,870 Building $75,080	$282,700 Land $68,200 Building $214,500
2022	$2,992.00 Homeowner's exemption	$57,690 Land $5,780 Building $51,910
2020			$164,800 Land $16,500 Building $148,300

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 3281 Payday Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · other causes

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

The area around 3281 Payday Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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	COLUMBUS PUBLIC WATER SYSTEM serves 1,309,468 people · EPA ID OH2504412
Water Source	Surface water
Last State Inspection	Dec 2022
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 631 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Payday Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures