357 S Main St, Harrod, OH 45850 Property Records

Allen County property record for 357 S Main St, Harrod, OH 45850

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,252 sqft · built 1946
Lot Size	0.086 acres (3,746 sqft)
Owner	2 Individual Names on File
Last Sale	$88,000 (Nov 2023)
Tax Bill	$879 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-1012-08-004.001`

Property Details

APN / Parcel Number

Primary APN	`48-1012-08-004.001`
Alternative APN	`J3148101208004001`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,252 sqft Living Area
Gross Area	2,116 sqft
1st Floor Area	952 sqft
Attic	Attic
Attic Area	300 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	3,746 sqft (0.086 acres)
Lot Dimensions	150 ft deep x 25 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	348 sqft
Deck Area	144 sqft
Patio Area	80 sqft
Canopy	96 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	357 S MAIN ST
City	HARROD
State	OH
Zip	45850-8730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT OF THE TOWN OF HARROD LOT 317 JOINT TEN FF 25.00
Legal Subdivision	PLAT OF THE TOWN OF HARROD
Legal Lot Number	317
Jurisdiction	ALLEN OH
Township / Civil Division	AUGLAIZE
Census Block Group	2
Census Block	2024
Census Tract	11500

Owner

357 S Main St is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	357 S MAIN ST, HARROD, OH 45850-8730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Nov 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage OHIO HOUSING FINANCE AGENCY
Nov 3, 2023	Warranty Deed, Transfer · FHA Mortgage DIAMOND RESIDENTIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2023 · Amount on File
Deed Sale	Nov 3, 2023 · Amount on File
Prior Sale	Apr 26, 1994 · Amount on File
Deed Document Number	20239702
Prior Transfer Date	Apr 14, 1994
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	357 S MAIN ST, HARROD, OH 45850
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	11080009811
Date	Nov 8, 2023
Book Page	2023/9811
Instrument	202311080009811

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency
Address	HARROD, OH 45850

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Nov 3, 2023
Property Address	357 S MAIN ST, HARROD, OH 45850
Document Number	11030009702
Book / Page	2023 / 9702
Map Reference	MB 3 PG 58 & 59
Instrument Date	Nov 1, 2023
Instrument	202311030009702
Transaction Type	Transfer
Record Updated	Nov 15, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	357 S MAIN ST, HARROD, OH 45850

Mortgage

Document Number	11030009703
Date	Nov 3, 2023
Instrument	202311030009703

Lender

Name	DIAMOND RESIDENTIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Mortgage

Document Number	11030009704
Date	Nov 3, 2023
Book Page	2023/9704
Instrument	202311030009704

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency
Address	HARROD, OH 45850

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 357 S Main St was $879, up 1.3% 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	Auglaize Township
Municipality	Harrod Village
Unified School District	Allen East Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$879.00 (+1.27%)	$22,400 (-) Land $1,610 Building $20,790	$64,000 (-) Land $4,600 Building $59,400
2024	$868.00 (-2.58%) Homeowner's exemption	$22,400 (+15.94%) Land $1,610 Building $20,790	$64,000 Land $4,600 Building $59,400
2023	$891.00 (+1.02%)	$19,320 (-) Land $1,400 Building $17,920
2022	$882.00	$19,320 Land $1,400 Building $17,920
2021			$55,200 Land $4,000 Building $51,200

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 357 S Main 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 357 S Main 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 99.1% of the US · lower than 96% 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	SUN VALLEY FAMILY CAMPGROUND private · serves 462 people · EPA ID OH0252212
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Watch TV.

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