351 S Charles St, Lima, OH 45805 Property Records

Allen County property record for 351 S Charles St, Lima, OH 45805

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,792 sqft · built 1918
Lot Size	0.142 acres (6,186 sqft)
Owner	2 Individual Names on File
Last Sale	$88,000 (Nov 2021)
Tax Bill	$1,319 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Oct 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-3610-02-016.000`

Property Details

APN / Parcel Number

Primary APN	`36-3610-02-016.000`
Alternative APN	`M3836361002016000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,792 sqft Living Area
Gross Area	2,794 sqft
1st Floor Area	952 sqft
Upper Floors Area	840 sqft
Basement Area	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Lot Area	6,186 sqft (0.142 acres)
Lot Dimensions	124 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	162 sqft
Deck Area	120 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	351 S CHARLES ST
City	LIMA
State	OH
Zip	45805-3201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MACKENZIE BROS SUB DIVISION LOT 10626 & S SIDE LOT 10627 JOINT TEN FF 49.90
Legal Subdivision	MACKENZIE BROS SUB DIVISION
Legal Lot Number	10626
Jurisdiction	ALLEN OH
Township / Civil Division	LIMA
Census Block Group	2
Census Block	2005
Census Tract	13300

Owner

351 S Charles St is owned and occupied by two individuals who bought it in November 2021.

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	351 S CHARLES ST, LIMA, OH 45805-3201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Oct 12, 2021	Affidavit of Death of Joint Tenant, Transfer
Sep 20, 2018	Warranty Deed, Transfer · Conventional Mortgage CITIZENS NAT'L BK/BLUFFTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2021 · Amount on File
Deed Sale	Nov 23, 2021 · Amount on File
Prior Sale	Sep 20, 2018 · Amount on File
Deed Document Number	202116408
Prior Transfer Date	Oct 11, 2021
Prior Transfer Doc	10120014295
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Nov 23, 2021
Property Address	351 S CHARLES ST, LIMA, OH 45805-3201
Document Number	11230016408
Book / Page	2021 / 16408
Map Reference	MB 6 PG 58
Instrument Date	Nov 22, 2021
Instrument	202111230016408
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	351 S CHARLES ST, LIMA, OH 45805-3201

Mortgage

Document Number	11230016409
Date	Nov 23, 2021
Instrument	202111230016409

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

October 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ALLEN OH
Recording Date	Oct 12, 2021
Property Address	351 S CHARLES ST, LIMA, OH 45805-3201
Document Number	10120014295
Book / Page	2021 / 14295
Map Reference	MB 6 PG 58
Instrument Date	Oct 11, 2021
Instrument	202110120014295
Transaction Type	Transfer
Record Updated	Oct 21, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 S CHARLES ST, LIMA, OH 45805-3201

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Sep 20, 2018
Property Address	351 S CHARLES ST, LIMA, OH 45805-3201
Document Number	0000010727
Book / Page	002018 / 010728
Instrument Date	Sep 18, 2018
Instrument	10727
Transaction Type	Transfer
Record Updated	Oct 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90.00
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	351 S CHARLES ST LIMA OH 458053201, LIMA, OH 45805-3201

Mortgage

Document Number	10728
Date	Sep 20, 2018
Book Page	002018/010728
Instrument	10728

Lender

Name	CITIZENS NAT'L BK/BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 351 S Charles St was $1,319, up 4.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
Municipality	Lima City
Unified School District	Lima City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,319.00 (+4.19%)	$35,250 (-) Land $3,570 Building $31,680	$100,700 (-) Land $10,200 Building $90,500
2024	$1,266.00 (+7.11%) Homeowner's exemption	$35,250 (+22.95%) Land $3,570 Building $31,680	$100,700 Land $10,200 Building $90,500
2023	$1,182.00 (-4.68%) Homeowner's exemption	$28,670 (-) Land $2,910 Building $25,760
2022	$1,240.00 Homeowner's exemption	$28,670 Land $2,910 Building $25,760
2021			$81,900 Land $8,300 Building $73,600

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 351 S Charles St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 20, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 351 S Charles 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 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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, TSC, Verizon.

Nearby Properties on S Charles St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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