3432 Providence Cir, Lima, OH 45801 Property Records

Allen County property record for 3432 Providence Cir, Lima, OH 45801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,260 sqft · built 1975
Lot Size	0.331 acres (14,418 sqft)
Owner	2 Individual Names on File
Last Sale	$107,000 (Apr 2015)
Tax Bill	$2,649 (2025)
Deeds & Mortgages	Nov 2023 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-1302-01-013.000`

Property Details

APN / Parcel Number

Primary APN	`36-1302-01-013.000`
Alternative APN	`G2536130201013000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	1,260 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1978
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Lot Area	14,418 sqft (0.331 acres)
Lot Dimensions	180 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	184 sqft
Shed	1 Shed
Shed Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	3432 PROVIDENCE CIR
City	LIMA
State	OH
Zip	45801-1746
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLIAM HADDING SUBDIVISION #3 LOT 26472 JOINT TEN FF 80.00
Legal Subdivision	WILLIAM HADDING SUBDIVISION
Legal Lot Number	26472
Jurisdiction	ALLEN OH
Township / Civil Division	AMERICAN
Census Block Group	1
Census Block	1003
Census Tract	11000

Owner

3432 Providence Cir is owned and occupied by two individuals who bought it in April 2015.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3432 PROVIDENCE CIR, LIMA, OH 45801-1746
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage SUPERIOR CU
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUPERIOR CU
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUPERIOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2015 · Amount on File
Deed Sale	Apr 23, 2015 · Amount on File
Prior Sale	Oct 9, 2012 · Amount on File
Deed Document Number	20153691
Deed Book / Page	2015 / 3691
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	3432 PROVIDENCE CIR, LIMA, OH 45801-1746
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	11270010373
Date	Nov 27, 2023
Book Page	2023/10373
Instrument	202311270010373

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Amount	Amount on Record
Term	144 Months
Due	Nov 8, 2035

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	3432 PROVIDENCE CIR, LIMA, OH 45801-1746
Document Number	0000005549
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3432 PROVIDENCE CIR LIMA OH 458011746, LIMA, OH 45801-1746

Mortgage

Document Number	0000005549
Date	May 28, 2020
Instrument	5549

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	May 27, 2027

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	3432 PROVIDENCE CIR, LIMA, OH 45801-1746
Document Number	0000003969
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3432 PROVIDENCE CIR LIMA OH 458011746, LIMA, OH 45801-1746

Mortgage

Document Number	0000003969
Date	Apr 20, 2020
Instrument	3969

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 19, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 3432 Providence Cir was $2,649, down 1.6% 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	American Township
Unified School District	Elida Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,649.00 (-1.56%)	$61,150 (-) Land $7,880 Building $53,270	$174,700 (-) Land $22,500 Building $152,200
2024	$2,691.00 (+25.63%) Homeowner's exemption	$61,150 (+39.96%) Land $7,880 Building $53,270	$174,700 Land $22,500 Building $152,200
2023	$2,142.00 (-1.7%) Homeowner's exemption	$43,690 (-) Land $5,640 Building $38,050
2022	$2,179.00 Homeowner's exemption	$43,690 Land $5,640 Building $38,050
2021			$124,800 Land $16,100 Building $108,700

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 3432 Providence Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1981–2015)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2015 · 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 3432 Providence Cir 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 74% 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 126 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

May also be available: MetaLINK Technologies.

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