3301 Royal Oak Dr, Lima, OH 45805 Property Records

Allen County property record for 3301 Royal Oak Dr, Lima, OH 45805

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,614 sqft · built 1977
Lot Size	0.279 acres (12,153 sqft)
Owner	2 Individual Names on File
Last Sale	$139,500 (Oct 2018)
Tax Bill	$3,222 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46-0303-05-043.000`

Property Details

APN / Parcel Number

Primary APN	`46-0303-05-043.000`
Alternative APN	`L3546030305043000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,614 sqft Living Area
Gross Area	3,780 sqft
1st Floor Area	1,614 sqft
Basement Area	1,614 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	12,153 sqft (0.279 acres)
Lot Dimensions	135 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	30 sqft
Deck Area	264 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic

Location & Zoning

Street Address	3301 ROYAL OAK DR
City	LIMA
State	OH
Zip	45805-3921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARK SHORE ESTATES LOT 26385 JOINT TEN FF 90.00
Legal Subdivision	PARK SHORE ESTATES
Legal Lot Number	26385
Jurisdiction	ALLEN OH
Township / Civil Division	SHAWNEE
Census Block Group	2
Census Block	2007
Census Tract	11800

Owner

3301 Royal Oak Dr is owned and occupied by two individuals who bought it in October 2018.

Source: Allen County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3301 ROYAL OAK DR, LIMA, OH 45805-3921
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 28, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Oct 19, 2018	Warranty Deed, Transfer STEARNS LNDG LLC
May 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUPERIOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2018 · Amount on File
Deed Sale	Oct 19, 2018 · Amount on File
Prior Sale	Jun 10, 2011 · Amount on File
Deed Document Number	201811898
Deed Book / Page	2018 / 11898
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	3301 ROYAL OAK DR, LIMA, OH 45805-3921
Transaction Type	Mortgage
Record Updated	Jan 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3301 ROYAL OAK DR, LIMA, OH 45805-3921

Mortgage

Document Number	12280014565
Date	Dec 28, 2022
Book Page	2022/14565
Instrument	202212280014565

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jun 1, 2052

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Oct 19, 2018
Property Address	3301 ROYAL OAK DR, LIMA, OH 45805-3921
Document Number	0000011898
Instrument Date	Oct 19, 2018
Instrument	11898
Transaction Type	Transfer
Record Updated	Nov 1, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$418.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3301 ROYAL OAK DR LIMA OH 458053921, LIMA, OH 45805-3921

Mortgage

Document Number	11899
Date	Oct 19, 2018
Instrument	11899

Lender

Name	STEARNS LNDG LLC
Address	SANTA ANA, CA 92707

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 18, 2048

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	3301 ROYAL OAK DR, LIMA, OH 45805-3921
Document Number	0000005755
Instrument Date	May 16, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3301 ROYAL OAK DR LIMA OH 458053921, LIMA, OH 45805-3921

Mortgage

Document Number	0000005755
Date	May 22, 2018
Instrument	5755

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 21, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 3301 Royal Oak Dr was $3,222, up 0.1% from the year before.

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Shawnee Township
Unified School District	Shawnee Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,222.00 (+0.06%)	$66,120 (-) Land $7,880 Building $58,240	$188,900 (-) Land $22,500 Building $166,400
2024	$3,220.00 (+15.54%) Homeowner's exemption	$66,120 (+31.01%) Land $7,880 Building $58,240	$188,900 Land $22,500 Building $166,400
2023	$2,787.00 (-0.75%) Homeowner's exemption	$50,470 (-) Land $6,020 Building $44,450
2022	$2,808.00 Homeowner's exemption	$50,470 Land $6,020 Building $44,450
2021			$144,200 Land $17,200 Building $127,000

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.

Flood

FEMA maps place 3301 Royal Oak Dr in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	26 (1978–2019)
Claims Outside the SFHA	6 of 26
Most Recent Claim	Apr 2019 · 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

Wildfire risk around 3301 Royal Oak Dr 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 98% of the US · lower than 90% 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	LIMA CITY serves 65,619 people · EPA ID OH0200811
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2026 Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Dec 2016
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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: TSC.

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