425 N Main St, Ada, OH 45810 Property Records

Hardin County property record for 425 N Main St, Ada, OH 45810

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,093 sqft · built 1997
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Jan 2020)
Tax Bill	$2,001 (2025)
Deeds & Mortgages	Mar 2022 Transfer Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-130127.0000`

Property Details

APN / Parcel Number

Primary APN	`25-130127.0000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,093 sqft Living Area
1st Floor Area	1,127 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	180 ft deep x 50 ft wide
Pole Barn	800 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	425 N MAIN ST
City	ADA
State	OH
Zip	45810-1023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IRWINS 4
Legal Subdivision	IRWINS
Jurisdiction	HARDIN OH
Township / Civil Division	LIBERTY
Census Block Group	4
Census Block	4008
Census Tract	402

Owner

425 N Main St is owned and occupied by an individual who acquired it in March 2022.

Source: Hardin County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	425 N MAIN ST, ADA, OH 45810-1023
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2022	Intrafamily Transfer, Transfer
Jan 22, 2020	Survivorship Deed, Transfer · Conventional Mortgage POLARIS HOME FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2020 · Amount on File
Deed Sale	Jan 22, 2020 · Amount on File
Prior Sale	Apr 11, 2003 · Amount on File
Deed Document Number	2020181
Deed Book / Page	555 / 1773
Last Transfer Date	Mar 21, 2022
Transfer Doc	00564/1655
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARDIN OH
Recording Date	Mar 24, 2022
Property Address	425 N MAIN ST, ADA, OH 45810-1023
Document Number	00564/1655
Book / Page	564 / 1655
Map Reference	CAB 1 PG 301
Instrument Date	Mar 21, 2022
Instrument	202200001040
Transaction Type	Transfer
Record Updated	Apr 14, 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
Address	425 N MAIN ST, ADA, OH 45810-1023

January 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HARDIN OH
Recording Date	Jan 22, 2020
Property Address	425 N MAIN ST, ADA, OH 45810-1023
Document Number	00555/1773
Book / Page	555 / 1773
Map Reference	CAB 1 PG 301
Instrument Date	Jan 10, 2020
Instrument	202000000181
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	NOT AVAILABLE, HOMELAND TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	151 44TH ST SW # MC, MC, GRANDVILLE, MI 49418-3329
Mail Care Of	POLARIS HOME FUNDING CORPORATION

Mortgage

Document Number	202000000182
Date	Jan 22, 2020
Instrument	202000000182

Lender

Name	POLARIS HOME FUNDING CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 425 N Main St was $2,001, down 0.9% from the year before.

Source: Hardin County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Ohio
Municipality	Ada Village
County	Hardin County
County Subdivision	Liberty Township
Unified School District	Ada Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,001.00 (-0.89%)	$51,030 (-) Land $2,490 Building $48,540
2024	$2,019.00 (+0.55%)	$51,030 (-) Land $2,490 Building $48,540
2023	$2,008.00 (+67.61%)	$51,030 (+94.18%) Land $2,490 Building $48,540	$145,800 Land $7,110 Building $138,690
2022	$1,198.00	$26,280 Land $2,410 Building $23,870
2020			$75,090 Land $6,890 Building $68,200

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

FEMA maps place 425 N Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 9, 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

The area around 425 N Main 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ADA VILLAGE serves 5,334 people · EPA ID OH3300012
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 387 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
Verizon Fixed Wireless	300 / 20
HDER Link Fixed Wireless	100 / 100

May also be available: MetaLINK Technologies, T-Mobile, Watch TV.

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