Defiance County property record for 409 Nicholas St, Defiance, OH 43512
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,039 sqft · built 2002 |
| Lot Size | 0.444 acres (19,319 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,320 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Aug 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | B013126010500 |
| Primary APN | B013126010500 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,039 sqft Living Area |
| Gross Area | 7,698 sqft |
| 1st Floor Area | 1,933 sqft |
| Upper Floors Area | 1,106 sqft |
| Attic | Attic |
| Attic Area | 1,106 sqft |
| Basement Area | 1,757 sqft |
| Unfinished Basement | 1,757 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Cathedral/Clerestory |
| Lot Area | 19,319 sqft (0.444 acres) |
| Lot Dimensions | 138 ft deep x 140 ft wide |
| Garage Type | Detached - Unfinished |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 676 sqft |
|---|---|
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Silo | 528 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 NICHOLAS ST |
|---|---|
| City | DEFIANCE |
| State | OH |
| Zip | 43512-1543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOLGATES ADD TO N DEF LOT 46 W PT ALL AMERICAN MODULAR |
| Legal Subdivision | HOLGATES ADD |
| Legal Lot Number | 46 |
| Jurisdiction | DEFIANCE OH |
| Township / Civil Division | NOBLE |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 958500 |
409 Nicholas St is owned and occupied by two individuals who acquired it in January 1999.
Source: Defiance County records, as of October 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 NICHOLAS ST, DEFIANCE, OH 43512-1543 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Aug 15, 2017 | Deed of Trust, Mortgage · Line of Credit THE SHERWOOD STATE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 1, 1999 |
| Deed Sale | Jan 1, 1999 |
| Prior Sale | Dec 9, 1998 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Property Address | 409 NICHOLAS ST, DEFIANCE, OH 43512-1543 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 442/2304 |
|---|---|
| Date | Sep 29, 2021 |
| Book Page | 442/2304 |
| Instrument | 202100005429 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Property Address | 409 NICHOLAS ST, DEFIANCE, OH 43512-1543 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2018 |
| Name | Verified Name |
|---|
| Document Number | 406/0123 |
|---|---|
| Date | Aug 15, 2017 |
| Book Page | 406/0123 |
| Instrument | 201700003427 |
| Name | THE SHERWOOD STATE BANK |
|---|---|
| Type | Bank |
| Address | SHERWOOD, OH 43556 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 9, 2047 |
The 2025 property tax bill for 409 Nicholas St was $4,320.
Source: Defiance County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Defiance County |
| County Subdivision | Noble Township |
| Municipality | Defiance City |
| Unified School District | Defiance City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,320.00 Homeowner's exemption | $113,360 (-) Land $6,730 Building $106,630 | |
| 2024 | $4,320.00 (+10.12%) Homeowner's exemption | $113,360 (-) Land $6,730 Building $106,630 | $323,870 (%) Land $19,220 Building $304,650 |
| 2023 | $3,923.00 (+17.77%) Homeowner's exemption | $113,360 (+28.42%) Land $6,730 Building $106,630 | $323,885 Land $19,228 Building $304,657 |
| 2022 | $3,331.00 Homeowner's exemption | $88,270 Land $6,570 Building $81,700 | |
| 2020 | $252,190 Land $18,770 Building $233,420 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Nicholas St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · 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 | 1 in force |
| Nearby Flood Claims | 3 (1978–2008) |
| Most Recent Claim | Feb 2008 · river or lake flooding |
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.
The area around 409 Nicholas 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DEFIANCE CITY serves 16,494 people · EPA ID OH2000111 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2022 |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2018 |
| 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.
Source: FCC Broadband Data Collection, based on 401 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| MetaLINK Technologies Fixed Wireless · Fiber in parts of the area | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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