423 W Main St, Cairo, OH 45820 Property Records

Allen County property record for 423 W Main St, Cairo, OH 45820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,471 sqft · built 1920
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$20,000 (Jun 2010)
Tax Bill	$1,290 (2025)
Deeds & Mortgages	Dec 2022 Transfer May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-3206-02-022.000`

Property Details

APN / Parcel Number

Primary APN	`27-3206-02-022.000`
Alternative APN	`B1027320602022000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,471 sqft Living Area
Gross Area	2,454 sqft
1st Floor Area	1,471 sqft
Basement Area	783 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2005
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
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	97 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	423 W MAIN ST
City	CAIRO
State	OH
Zip	45820-6517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES DOWNINGS ADDITION LOT 47 FF 50.00
Legal Subdivision	JAMES DOWNINGS ADDITION
Legal Lot Number	47
Jurisdiction	ALLEN OH
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1035
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	423 W MAIN ST, CAIRO, OH 45820-6517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Affidavit of Death of Joint Tenant, Transfer
May 31, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2010 · Amount on Record
Deed Sale	Jun 28, 2010 · Amount on Record
Prior Sale	Nov 18, 2009 · Amount on Record
Deed Document Number	20106734
Deed Book / Page	2010 / 6734
Last Transfer Date	Dec 20, 2022
Transfer Doc	0000014355
Record Updated	Oct 29, 2026

December 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ALLEN OH
Recording Date	Dec 20, 2022
Property Address	423 W MAIN ST, CAIRO, OH 45820-6517
Document Number	12200014355
Book / Page	2022 / 14355
Map Reference	MB 1 PG 38
Instrument Date	Oct 19, 2022
Instrument	202212200014355
Transaction Type	Transfer
Record Updated	Jan 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 127, CAIRO, OH 45820-0127

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEN OH
Recording Date	May 31, 2022
Property Address	423 W MAIN ST, CAIRO, OH 45820-6517
Document Number	5310006465
Book / Page	2022 / 6465
Map Reference	MB 1 PG 38
Instrument Date	Apr 12, 2022
Instrument	202205310006465
Transaction Type	Transfer
Record Updated	Jun 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	423 W MAIN ST, CAIRO, OH 45820-6517

Mortgage

Document Number	5310006466
Date	May 31, 2022
Instrument	202205310006466

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

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	$1,290.00 (-0.62%)	$31,120 (-) Land $3,570 Building $27,550	$88,900 (-) Land $10,200 Building $78,700
2024	$1,298.00 (+29.8%) Homeowner's exemption	$31,120 (+47.7%) Land $3,570 Building $27,550	$88,900 (+47.67%) Land $10,200 Building $78,700
2023	$1,000.00 (-46.44%) Homeowner's exemption	$21,070 (-) Land $2,520 Building $18,550
2022	$1,867.00 Homeowner's exemption	$21,070 Land $2,520 Building $18,550
2021			$60,200 Land $7,200 Building $53,000

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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