415 W Main St, Cairo, OH 45820 Property Records

Allen County property record for 415 W Main St, Cairo, OH 45820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,493 sqft · built 1920
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$24,000 (May 1979)
Tax Bill	$1,217 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-3206-02-020.000`

Property Details

APN / Parcel Number

Primary APN	`27-3206-02-020.000`
Alternative APN	`B1027320602020000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,493 sqft Living Area
1st Floor Area	1,204 sqft
Attic	Attic
Attic Area	289 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	200 sqft
Patio Area	600 sqft
Canopy	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	415 W MAIN ST
City	CAIRO
State	OH
Zip	45820-6517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES DOWINGS ADDITION LOT 49 FF 50.00
Legal Subdivision	JAMES DOWINGS ADDITION
Legal Lot Number	49
Jurisdiction	ALLEN OH
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1036
Census Tract	10200

Owner

Source: Allen County records, as of May 21, 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	415 W MAIN ST, CAIRO, OH 45820-6517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2019	Deed of Trust, Mortgage · FHA Mortgage ROYAL UNITED MTG
Dec 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 1979 · Amount on Record
Deed Sale	May 1, 1979 · Amount on Record
Last Transfer Date	Sep 19, 2011
Transfer Doc	9220010700
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	415 W MAIN ST, CAIRO, OH 45820-6517
Document Number	0000003438
Instrument Date	Apr 3, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 W MAIN ST CAIRO OH 45820, CAIRO, OH 45820

Mortgage

Document Number	0000003438
Date	Apr 16, 2019
Book Page	002019/003438
Instrument	3438

Lender

Name	ROYAL UNITED MTG
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 15, 2034

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	415 W MAIN ST, CAIRO, OH 45820-6517
Document Number	0000013596
Instrument Date	Dec 4, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 W MAIN ST CAIRO OH 45820, CAIRO, OH 45820

Mortgage

Document Number	0000013596
Date	Dec 11, 2017
Instrument	13596

Lender

Name	ROYAL UNITED MTG
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 10, 2027

Tax Assessment & Valuation

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Monroe Township
Municipality	Cairo Village
Unified School District	Bath Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,217.00 (-0.65%)	$29,330 (-) Land $3,570 Building $25,760	$83,800 (-) Land $10,200 Building $73,600
2024	$1,225.00 (+24.11%) Homeowner's exemption	$29,330 (+41.08%) Land $3,570 Building $25,760	$83,800 (+41.08%) Land $10,200 Building $73,600
2023	$987.00 (-2.08%) Homeowner's exemption	$20,790 (-1.66%) Land $2,520 Building $18,270
2022	$1,008.00 Homeowner's exemption	$21,140 Land $2,520 Building $18,620
2021			$59,400 Land $7,200 Building $52,200

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

Flood

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

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 132 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: Buckeye Wireless, MetaLINK Technologies.

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