401 E Orchard St, Payne, OH 45880 Property Records

Paulding County property record for 401 E Orchard St, Payne, OH 45880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,622 sqft · built 1900
Lot Size	0.398 acres (17,337 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Nov 2024)
Tax Bill	$1,800 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-06S-009-00`

Property Details

APN / Parcel Number

Primary APN	`19-06S-009-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,622 sqft Living Area
1st Floor Area	1,622 sqft
Basement Area	811 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	17,337 sqft (0.398 acres)
Lot Dimensions	138 ft deep x 126 ft wide
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	224 sqft
Patio Area	336 sqft
Lean-To	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	401 E ORCHARD ST
City	PAYNE
State	OH
Zip	45880-9493
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT4LESS 66FT ES BLOCK E PAYNE VILL
Legal Subdivision	PAYNE
Legal Block	E
Legal Lot Number	4
Jurisdiction	PAULDING OH
Township / Civil Division	HARRISON
Census Block Group	4
Census Block	4021
Census Tract	960300

Owner

Source: Paulding County records, as of February 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	401 E ORCHARD ST, PAYNE, OH 45880-9493
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Deed of Trust, Mortgage · Line of Credit DEERE EMPLOYEES CU
Aug 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage DEERE EMPLOYEES CU
Feb 1, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2024 · Amount on Record
Deed Sale	Nov 21, 2024 · Amount on Record
Prior Sale	Jul 5, 2012 · Amount on Record
Deed Document Number	375
Deed Book / Page	621 / 1357
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAULDING OH
Property Address	401 E ORCHARD ST, PAYNE, OH 45880-9493
Transaction Type	Mortgage
Record Updated	May 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00612/1104
Date	Apr 3, 2023
Book Page	612/1104
Instrument	202300000564

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Mar 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAULDING OH
Property Address	401 E ORCHARD ST, PAYNE, OH 45880-9493
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00609/1581
Date	Aug 24, 2022
Book Page	609/1581
Instrument	202200002179

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	9.5%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAULDING OH
Property Address	401 E ORCHARD ST, PAYNE, OH 45880-9493
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 E ORCHARD ST, PAYNE, OH 45880-9493

Mortgage

Document Number	599/1477
Date	Feb 1, 2021
Book Page	599/1477
Instrument	202100000314

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Jan 1, 2046

Tax Assessment & Valuation

Source: Paulding County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Ohio
County	Paulding County
County Subdivision	Harrison Township
Municipality	Payne Village
Unified School District	Wayne Trace Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,800.00 (+59.43%) Homeowner's exemption	$48,090 (+70.65%) Land $7,980 Building $40,110	$137,400 (+70.68%) Land $22,800 Building $114,600
2024	$1,129.00 (+4.06%) Homeowner's exemption	$28,180 (-) Land $5,920 Building $22,260
2023	$1,085.00 (-1%)	$28,180 (-) Land $5,920 Building $22,260
2022	$1,096.00	$28,180 Land $5,920 Building $22,260	$80,500 Land $16,900 Building $63,600

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

Source: FEMA National Flood Hazard Layer, effective November 4, 2022 · 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	5 in force
Nearby Flood Claims	7 (1985–2021)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Jul 2021 · rainfall accumulation

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

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	Direct burnable vegetation

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	PAYNE VILLAGE PWS serves 1,550 people · EPA ID OH6300712
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	4 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	3 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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fiber · Fixed Wireless	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Lakeland Internet.

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