406 E Washington St, Pandora, OH 45877 Property Records

Putnam County property record for 406 E Washington St, Pandora, OH 45877

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,433 sqft · built 1964
Lot Size	0.248 acres (10,827 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (May 2026)
Tax Bill	$865 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Dec 2006 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`49-045010.0000`

Property Details

APN / Parcel Number

Primary APN	`49-045010.0000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,433 sqft Living Area
1st Floor Area	1,433 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,827 sqft (0.248 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	406 E WASHINGTON ST
City	PANDORA
State	OH
Zip	45877
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 00171 & 1/2 VAC ALLEY
Legal Subdivision	C E REECE ADDITION TO THE VILLAGE
Legal Lot Number	171
Jurisdiction	PUTNAM OH
Township / Civil Division	RILEY
Census Block Group	3
Census Block	3010
Census Tract	30400

Owner

Source: Putnam 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	Individual Name on Record
Mailing Address	406 E WASHINGTON ST, PANDORA, OH 45877
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS NATIONAL BANK OF BLUFFTON
Dec 5, 2006	Deed of Trust, Mortgage CITIFINANCIAL INC
Oct 23, 2015	Deed of Trust, Mortgage BOARD OF COUNTY COMMISSIONERS PUTNAM COU
Sep 23, 2015	Deed of Trust, Mortgage BOARD OF COUNTY COMMISSIONERS PUTNAM COU
May 13, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PANA
May 13, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK
May 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PANA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Deed Document Number	20262039
Deed Book / Page	787 / 423
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	406 E WASHINGTON ST, PANDORA, OH 45877
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00696/0696
Date	Jan 25, 2018
Book Page	696/0696
Instrument	201800000347

Lender

Name	THE CITIZENS NATIONAL BANK OF BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	406 E WASHINGTON ST, PANDORA, OH 45877
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00576/0976
Date	Dec 5, 2006
Book Page	576/0976
Instrument	200600006752

Lender

Name	CITIFINANCIAL INC
Type	Subprime Lender
Address	LIMA, OH 45804

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Jan 10, 2022

October 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	406 E WASHINGTON ST, PANDORA, OH 45877
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00673/2108
Date	Oct 23, 2015
Book Page	673/2108
Instrument	201500004178

Lender

Name	BOARD OF COUNTY COMMISSIONERS PUTNAM COU
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	58 Months
Due	Aug 6, 2020

September 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	406 E WASHINGTON ST, PANDORA, OH 45877
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00673/0082
Date	Sep 23, 2015
Book Page	673/0082
Instrument	201500003727

Lender

Name	BOARD OF COUNTY COMMISSIONERS PUTNAM COU
Type	Government Agency

Agreement

Amount	Amount Recorded

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM OH
Recording Date	May 13, 2026
Property Address	406 E WASHINGTON ST, PANDORA, OH 45877
Document Number	0000002039
Book / Page	787 / 423
Instrument Date	May 13, 2026
Instrument	2026.2039
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E WASHINGTON ST, PANDORA, OH 45877

Mortgage

Document Number	0000002051,
Date	May 13, 2026
Instrument	2026..2051

Lender

Name	FIRST NATIONAL BANK OF PANA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM OH
Recording Date	May 13, 2026
Property Address	406 E WASHINGTON ST, PANDORA, OH 45877
Document Number	000787/423
Book / Page	787 / 423
Instrument Date	May 13, 2026
Instrument	20262039
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E WASHINGTON ST, PANDORA, OH 45877

Mortgage

Document Number	0000002051,
Date	May 13, 2026
Instrument	20262051

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Recording Date	May 14, 2026
Property Address	406 E WASHINGTON ST, PANDORA, OH 45877
Document Number	0000002051
Book / Page	787 / 505
Instrument Date	May 8, 2026
Instrument	20262051
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002051,
Date	May 14, 2026
Book Page	787/505
Instrument	20262051

Lender

Name	FIRST NATIONAL BANK OF PANA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Putnam County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Putnam County
County Subdivision	Riley Township
Municipality	Pandora Village
Unified School District	Pandora-Gilboa Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$865.00 (+1.65%) Homeowner's exemption	$39,140 (-) Land $4,360 Building $34,780	$111,830 (-) Land $12,460 Building $99,370
2024	$851.00 (-1.28%) Homeowner's exemption	$39,140 (+33.17%) Land $4,360 Building $34,780
2023	$862.00 (+10.65%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$29,390 (-) Land $3,400 Building $25,990	$111,830 (+33.18%) Land $12,460 Building $99,370
2022	$779.00	$29,390 Land $3,400 Building $25,990
2020			$83,970 Land $9,710 Building $74,260

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 December 1, 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	2 (1981)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 1981 · 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	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	PANDORA VILLAGE PWS serves 1,204 people · EPA ID OH6900912
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) 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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TSC Fiber	1,000 / 1,000
MetaLINK Technologies Fixed Wireless	500 / 100
Buckeye Wireless Fixed Wireless	500 / 50
Watch TV Fixed Wireless	400 / 40
HDER Link Fixed Wireless	100 / 100

May also be available: Verizon.

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