Allen County property record for 406 Elm St, Cairo, OH 45820
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,042 sqft · built 2006 |
| Lot Size | 1.57 acres (68,389 sqft) |
| Owner | Individual Name on File |
| Last Sale | $154,500 (Dec 2015) |
| Tax Bill | $4,649 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-3205-05-009.000 |
| Primary APN | 27-3205-05-009.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,042 sqft Living Area |
| Gross Area | 2,942 sqft |
| 1st Floor Area | 1,380 sqft |
| Upper Floors Area | 648 sqft |
| Attic | Attic |
| Attic Area | 662 sqft |
| Family Room | Family Room |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 68,389 sqft (1.57 acres) |
| Garage Type | Attached |
| Garage Area | 840 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Enclosed Frame Porch |
| Deck Area | 48 sqft |
| Patio Area | 176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Street Address | 406 ELM ST |
|---|---|
| City | CAIRO |
| State | OH |
| Zip | 45820-6507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FIRST ADDITION OL 23 |
| Legal Subdivision | FIRST ADDITION |
| Legal Lot Number | 23 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | MONROE |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 10200 |
406 Elm St is owned and occupied by an individual who bought it in December 2015.
Source: Allen County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 406 ELM ST, CAIRO, OH 45820-6507 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2015 · Amount on File |
| Deed Sale | Dec 11, 2015 · Amount on File |
| Prior Sale | Aug 8, 2005 · Amount on File |
| Deed Document Number | 201513113 |
| Deed Book / Page | 2015 / 13113 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 406 Elm St was $4,649, up 0.2% from the year before.
Source: Allen County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Allen County |
| County Subdivision | Monroe Township |
| Municipality | Cairo Village |
| Unified School District | Bath Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,649.00 (+0.19%) | $91,320 (-) Land $15,400 Building $75,920 | $260,900 (-) Land $44,000 Building $216,900 |
| 2024 | $4,640.00 (+44.41%) Homeowner's exemption | $91,320 (+41.03%) Land $15,400 Building $75,920 | $260,900 Land $44,000 Building $216,900 |
| 2023 | $3,213.00 (+6.29%) Homeowner's exemption | $64,750 (-) Land $10,920 Building $53,830 | |
| 2022 | $3,023.00 Homeowner's exemption | $64,750 Land $10,920 Building $53,830 | |
| 2021 | $185,000 Land $31,200 Building $153,800 |
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.
FEMA maps place 406 Elm St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 20, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 406 Elm 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 96% of the US · lower than 81% 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.
Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: MetaLINK Technologies.
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