403 West St, Payne, OH 45880 Property Records

Paulding County property record for 403 West St, Payne, OH 45880

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,110 sqft · built 2009
Lot Size	1.1 acres (48,308 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,088 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`04-21A-001-00`

Property Details

APN / Parcel Number

Primary APN	`04-21A-001-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,110 sqft Living Area
1st Floor Area	1,115 sqft
2nd Floor Area	995 sqft
Upper Floors Area	995 sqft
Basement Area	675 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	48,308 sqft (1.1 acres)
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	450 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	403 WEST ST
City	PAYNE
State	OH
Zip	45880-9453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT S1/2 NE1/4 S-3 OUTLOTS PAYNE VG (BENTON TWP)
Jurisdiction	PAULDING OH
Township / Civil Division	BENTON
Census Block Group	4
Census Block	4054
Census Tract	960300

Owner

403 West St is owned and occupied by two individuals who acquired it in October 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	210 S MAIN ST, PAYNE, OH 45880
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
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HICKSVILLE BANK
Aug 9, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK OF THE MIDWEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2009
Deed Sale	Oct 27, 2009
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAULDING OH
Property Address	403 WEST ST, PAYNE, OH 45880-9453
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	599/1901
Date	Feb 9, 2021
Book Page	599/1901
Instrument	202100000394

Lender

Name	THE HICKSVILLE BANK
Type	Bank
Address	HICKSVILLE, OH 43526

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAULDING OH
Property Address	403 WEST ST, PAYNE, OH 45880-9453
Transaction Type	Mortgage
Record Updated	Sep 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	590/1347
Date	Aug 9, 2019
Book Page	590/1347
Instrument	201900001810

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	244 Months
Due	Dec 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 403 West St was $3,088 with a homeowner's exemption, up 4.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Ohio
County	Paulding County
County Subdivision	Benton Township
Unified School District	Wayne Trace Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,088.00 (+4.64%) Homeowner's exemption	$82,500 (+12.03%) Land $7,460 Building $75,040	$235,700 Land $21,300 Building $214,400
2024	$2,951.00 (+4.06%) Homeowner's exemption	$73,640 (-) Land $6,650 Building $66,990
2023	$2,836.00 (-0.94%)	$73,640 (-) Land $6,650 Building $66,990
2022	$2,863.00	$73,640 Land $6,650 Building $66,990	$210,400 Land $19,000 Building $191,400

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

Flood

FEMA maps place 403 West St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 403 West 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Lakeland Internet Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20

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