Hardin County property record for 3972 Co Rd 20, Ada, OH 45810
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 1,998 sqft · built 1994 |
| Lot Size | 3.18 acres (138,695 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Jul 2026) |
| Tax Bill | $3,107 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Line of Credit Jun 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 24-100035.0000 |
| Primary APN | 24-100035.0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,998 sqft Living Area |
| 1st Floor Area | 1,189 sqft |
| Upper Floors Area | 809 sqft |
| Basement Area | 809 sqft |
| Unfinished Basement | 809 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 138,695 sqft (3.18 acres) |
| Terrain | Rolling |
| Garage Area | 1,824 sqft |
| Parking Spaces | 6 Parking Spaces |
| Shed | 1 Shed |
| Pole Barn | 1,836 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3972 COUNTY ROAD 20 |
|---|---|
| City | ADA |
| State | OH |
| Zip | 45810-9769 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT E2 NE4 S10 3.184A |
| Legal Subdivision | J WOODRUFF FAMILY TRUST |
| Jurisdiction | HARDIN OH |
| Township / Civil Division | LIBERTY |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 300 |
Source: Hardin County records, as of July 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3972 COUNTY ROAD 20, ADA, OH 45810-9769 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jul 2, 2026 | Deed, Transfer · Line of Credit AGENCY CREDIT |
| Jun 5, 2023 | Deed of Trust, Mortgage · Line of Credit THE MIDDLEFIELD BANKING CO |
| Aug 1, 2018 | Intrafamily Transfer, Transfer |
| Aug 1, 2018 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2026 · Amount on Record |
| Deed Sale | Jul 2, 2026 · Amount on Record |
| Prior Sale | Sep 7, 1999 · Amount on Record |
| Deed Document Number | 20261972 |
| Deed Book / Page | 578 / 1093 |
| Prior Transfer Date | Oct 22, 2024 |
| Prior Transfer Doc | 00572/1583 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDIN OH |
| Recording Date | Jul 2, 2026 |
| Property Address | 3972 COUNTY ROAD 20, ADA, OH 45810-9769 |
| Document Number | 0000001972 |
| Book / Page | 578 / 1093 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 20261972 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Title Company | BLACKHOOF TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80,800.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 3972 COUNTY ROAD 20, ADA, OH 45810-9769 |
| Document Number | 0000001973, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 20261973 |
| Name | AGENCY CREDIT |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARDIN OH |
| Property Address | 3972 COUNTY ROAD 20, ADA, OH 45810-9769 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2023 |
| Title Company | TITLE 365, TITLE 365 OMAHA |
| Name | Verified Name |
|---|
| Document Number | 000568/549 |
|---|---|
| Date | Jun 5, 2023 |
| Book Page | 568/549 |
| Instrument | 2023001482 |
| Name | THE MIDDLEFIELD BANKING CO |
|---|---|
| Type | Bank |
| Address | MIDDLEFIELD, OH 44062 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARDIN OH |
| Recording Date | Aug 1, 2018 |
| Property Address | 3972 COUNTY ROAD 20, ADA, OH 45810-9769 |
| Document Number | 00550/3734 |
| Book / Page | 550 / 3734 |
| Map Reference | VOL 152 PG 293 |
| Instrument Date | Jul 3, 2018 |
| Instrument | 201800002409 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3972 COUNTY ROAD 20, ADA, OH 45810-9769 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HARDIN OH |
| Recording Date | Aug 1, 2018 |
| Property Address | 3972 COUNTY ROAD 20, ADA, OH 45810-9769 |
| Document Number | 00550/3736 |
| Book / Page | 550 / 3736 |
| Map Reference | VOL 152 PG 293 |
| Instrument Date | Jul 3, 2018 |
| Instrument | 201800002410 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
Source: Hardin County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hardin County |
| County Subdivision | Liberty Township |
| Unified School District | Ada Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,107.00 (+1.27%) | $82,760 (-) Land $12,570 Building $70,190 | |
| 2024 | $3,068.00 (+0.59%) Homeowner's exemption | $82,760 (-) Land $12,570 Building $70,190 | |
| 2023 | $3,050.00 (+8.73%) Homeowner's exemption | $82,760 (+25.85%) Land $12,570 Building $70,190 | $236,450 (+25.85%) Land $35,910 Building $200,540 |
| 2022 | $2,805.00 Homeowner's exemption | $65,760 Land $6,700 Building $59,060 | |
| 2020 | $187,880 Land $19,140 Building $168,740 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| MetaLINK Technologies Fixed Wireless | 200 / 50 |
| HDER Link Fixed Wireless | 100 / 100 |
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