416 W Main St, Cairo, OH 45820 Property Records

Allen County property record for 416 W Main St, Cairo, OH 45820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,362 sqft · built 1920
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$77,000 (Nov 2019)
Tax Bill	$1,534 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-2911-04-024.000`

Property Details

APN / Parcel Number

Primary APN	`27-2911-04-024.000`
Alternative APN	`B1027291104024000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,362 sqft Living Area
Gross Area	1,914 sqft
1st Floor Area	992 sqft
Upper Floors Area	370 sqft
Basement Area	232 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Enclosed Frame Porch
Porch Area	424 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	416 W MAIN ST
City	CAIRO
State	OH
Zip	45820-6517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRED ALLSTETTERS ADDN LOT 173 FF 50.00
Legal Subdivision	FRED ALLSTETTERS ADDN
Legal Lot Number	173
Jurisdiction	ALLEN OH
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1030
Census Tract	10200

Owner

Source: Allen County records, as of May 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	416 W MAIN ST, CAIRO, OH 45820-6517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage TOPMARK FCU
Nov 27, 2019	Warranty Deed, Transfer · Conventional with PMI FIRST NAT'L BK/PANDORA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Prior Sale	Jan 1, 1990
Deed Document Number	201912709
Deed Book / Page	2019 / 12709
Prior Transfer Date	Jul 31, 2019
Prior Transfer Doc	8050007901
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	416 W MAIN ST, CAIRO, OH 45820-6517
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8260011961
Date	Aug 26, 2021
Book Page	2021/11961
Instrument	202108260011961

Lender

Name	TOPMARK FCU
Type	Credit Union
Address	LIMA, OH 45806

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Nov 27, 2019
Property Address	416 W MAIN ST, CAIRO, OH 45820-6517
Document Number	0000012709
Instrument Date	Nov 26, 2019
Instrument	12709
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 W MAIN ST CAIRO OH 458206517, CAIRO, OH 45820-6517

Mortgage

Document Number	12710
Date	Nov 27, 2019
Instrument	12710

Lender

Name	FIRST NAT'L BK/PANDORA
Type	Bank
Address	PANDORA, OH 45877

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%

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	$1,534.00 (-0.58%)	$37,070 (-) Land $3,570 Building $33,500	$105,900 (-) Land $10,200 Building $95,700
2024	$1,543.00 (+24.64%) Homeowner's exemption	$37,070 (+41%) Land $3,570 Building $33,500	$105,900 (+41.01%) Land $10,200 Building $95,700
2023	$1,238.00 (-0.64%) Homeowner's exemption	$26,290 (-) Land $2,520 Building $23,770
2022	$1,246.00 Homeowner's exemption	$26,290 Land $2,520 Building $23,770
2021			$75,100 Land $7,200 Building $67,900

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 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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