401 N Main St, Payne, OH 45880 Property Records

Paulding County property record for 401 N Main St, Payne, OH 45880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,452 sqft · built 1973
Lot Size	0.461 acres (20,081 sqft)
Owner	Individual Name on File
Last Sale	$44,750 (Apr 2025)
Tax Bill	$1,610 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Jul 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`19-03S-008-00`

Property Details

APN / Parcel Number

Primary APN	`19-03S-008-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
1st Floor Area	2,904 sqft
Family Room	Family Room

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	20,081 sqft (0.461 acres)
Lot Dimensions	251 ft deep x 80 ft wide
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	401 N MAIN ST
City	PAYNE
State	OH
Zip	45880-9024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6PT & PT LOT 7 BLOCK B PAYNE VILLAGE
Legal Subdivision	VILLAGE OF PAYNE
Legal Block	B
Legal Lot Number	6
Jurisdiction	PAULDING OH
Township / Civil Division	HARRISON
Census Block Group	4
Census Block	4007
Census Tract	960300

Owner

401 N Main St is owned and occupied by an individual who bought it in April 2025.

Source: Paulding County records, as of February 9, 2026

Owner of Record	Individual Name on File
Mailing Address	401 N MAIN ST, PAYNE, OH 45880-9024
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage THE STATE BANK & TRUST CO
Jul 6, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2025 · Amount on File
Deed Sale	Apr 15, 2025 · Amount on File
Deed Document Number	2025791
Deed Book / Page	623 / 1596
Prior Transfer Date	May 8, 2018
Prior Transfer Doc	00584/0664
Record Updated	Jun 8, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAULDING OH
Property Address	401 N MAIN ST, PAYNE, OH 45880-9024
Transaction Type	Mortgage
Record Updated	Feb 9, 2026
Title Company	UNKNOWN, BAKER MCCLURE LAW & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 E MERRIN ST, PAYNE, OH 45880-9058

Mortgage

Document Number	00623/1600
Date	Apr 15, 2025
Book Page	623/1600
Instrument	202500000792

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	PAULDING OH
Recording Date	Jul 6, 2018
Property Address	401 N MAIN ST, PAYNE, OH 45880-9024
Document Number	00584/0664
Book / Page	584 / 0664
Instrument Date	May 8, 2018
Instrument	201800001540
Transaction Type	Transfer
Record Updated	Feb 9, 2026

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
Relationship	Irrevocable Trust
Address	22200 BARTON ST, SAINT CLAIR SHORES, MI 48081-2737

Tax Assessment & Valuation

The 2025 property tax bill for 401 N Main St was $1,610, up 44.7% from the year before.

Source: Paulding County assessment roll, as of February 9, 2026

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	$1,610.00 (+44.65%)	$42,110 (+12.02%) Land $6,270 Building $35,840	$120,300 Land $17,900 Building $102,400
2024	$1,113.00 (+1.74%) Homeowner's exemption	$37,590 (-) Land $5,600 Building $31,990
2023	$1,094.00 (-2.41%) Homeowner's exemption	$37,590 (-) Land $5,600 Building $31,990
2022	$1,121.00 Homeowner's exemption	$37,590 Land $5,600 Building $31,990	$107,400 Land $16,000 Building $91,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 401 N Main St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1985.

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
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

The area around 401 N Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 126 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, Watch TV.

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