3431 Co Rd 20, Ada, OH 45810 Property Records

Hardin County property record for 3431 Co Rd 20, Ada, OH 45810

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,397 sqft · built 1978
Lot Size	15 acres (653,400 sqft)
Owner	Individual Name on File
Last Sale	$123,000 (Sep 2003)
Tax Bill	$1,238 (2025)
Deeds & Mortgages	May 2023 Transfer Oct 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-030007.0000`

Property Details

APN / Parcel Number

Primary APN	`24-030007.0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,397 sqft Living Area
1st Floor Area	1,397 sqft
Basement Area	698 sqft
Finished Basement	698 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	653,400 sqft (15 acres)
Terrain	Rolling
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3431 COUNTY ROAD 20
City	ADA
State	OH
Zip	45810-9415
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT S 1/2 SW 1/4 S3 15.00A
Jurisdiction	HARDIN OH
Township / Civil Division	LIBERTY
Census Block Group	3
Census Block	3006
Census Tract	300

Owner

3431 Co Rd 20, a rural home, is owned and occupied by an individual who acquired it in October 2021.

Source: Hardin County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	3431 COUNTY ROAD 20, ADA, OH 45810-9415
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
May 12, 2023	Transfer on Death Deed, Transfer
Oct 8, 2021	Intrafamily Transfer, Transfer
Dec 5, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2003 · Amount on File
Deed Sale	Sep 24, 2003 · Amount on File
Prior Sale	Aug 1, 2000 · Amount on File
Last Transfer Date	Oct 4, 2021
Transfer Doc	562/2666
Record Updated	Sep 20, 2026

May 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HARDIN OH
Recording Date	May 12, 2023
Property Address	3431 COUNTY ROAD 20, ADA, OH 45810-9415
Document Number	00567/5104
Book / Page	567 / 5104
Map Reference	VOL 562 PG 2666
Instrument Date	May 12, 2023
Instrument	2023001223
Transaction Type	Transfer
Record Updated	Jun 23, 2023

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
Relationship	Tenants by the Entirety

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARDIN OH
Recording Date	Oct 8, 2021
Property Address	3431 COUNTY ROAD 20, ADA, OH 45810-9415
Document Number	562/2666
Book / Page	562 / 2666
Instrument Date	Oct 4, 2021
Instrument	202100003736
Transaction Type	Transfer
Record Updated	Nov 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3431 COUNTY ROAD 20, ADA, OH 45810-9415

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDIN OH
Property Address	3431 COUNTY ROAD 20, ADA, OH 45810-9415
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	551/4443
Date	Dec 5, 2018
Book Page	551/4443
Instrument	201800003848

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 9, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3431 Co Rd 20 was $1,238 with exemptions applied, up 0.6% from the year before.

Source: Hardin County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hardin County
County Subdivision	Liberty Township
Unified School District	Ada Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,238.00 (+0.57%)	$42,110 (-) Land $19,590 Building $22,520
2024	$1,231.00 (-1.68%) Homeowner's exemption Senior Citizen's exemption	$42,110 (-) Land $19,590 Building $22,520
2023	$1,252.00 (+22.75%) Homeowner's exemption Senior Citizen's exemption	$42,110 (+31.96%) Land $19,590 Building $22,520	$163,510 Land $99,170 Building $64,340
2022	$1,020.00 Homeowner's exemption Senior Citizen's exemption	$31,910 Land $9,750 Building $22,160
2020			$143,770 Land $80,460 Building $63,310

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 3431 Co Rd 20 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 9, 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
Nearby Flood Policies	2 in force

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 3431 Co Rd 20 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 94% of the US · lower than 71% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
HDER Link Fixed Wireless	100 / 100
AT&T Fixed Wireless	25 / 3
Brightspeed DSL	10 / 1

May also be available: Spectrum.

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