428 N Walnut St, Ottawa, OH 45875 Property Records

Putnam County property record for 428 N Walnut St, Ottawa, OH 45875

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,864 sqft · built 2019
Lot Size	0.197 acres (8,622 sqft)
Owner	Individual Name on File
Tax Bill	$1,424 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2019 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`32-022080.0000`

Property Details

APN / Parcel Number

Primary APN	`32-022080.0000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,864 sqft Living Area
1st Floor Area	1,288 sqft
Upper Floors Area	576 sqft
Basement Area	533 sqft
Unfinished Basement	533 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Wood
Roof Type	Gable
Roof Material	Rolled Roofing
Lot Area	8,622 sqft (0.197 acres)
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	428 N WALNUT ST
City	OTTAWA
State	OH
Zip	45875-1351
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 00288 VAL INCL 32-0220.60
Legal Subdivision	HUBBARDS ADDITION
Legal Lot Number	288
Jurisdiction	PUTNAM OH
Township / Civil Division	OTTAWA
Census Block Group	1
Census Block	1033
Census Tract	30301

Owner

428 N Walnut St is owned and occupied by an individual who acquired it in September 2007.

Source: Putnam County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	428 N WALNUT ST, OTTAWA, OH 45875-1351
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
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Nov 7, 2019	Transfer on Death Deed, Transfer
Nov 7, 2019	Warranty Deed, Transfer
Aug 22, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2007
Deed Sale	Sep 18, 2007
Prior Sale	Jan 2, 2004
Deed Document Number	20074526
Deed Book / Page	584 / 1881
Prior Transfer Date	Sep 12, 2007
Prior Transfer Doc	00584/1881
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM OH
Property Address	428 N WALNUT ST, OTTAWA, OH 45875-1351
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000742/808
Date	Jan 4, 2022
Book Page	742/808
Instrument	202200000046

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

November 2019: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	PUTNAM OH
Recording Date	Nov 7, 2019
Property Address	428 N WALNUT ST, OTTAWA, OH 45875-1351
Document Number	00714/1819
Book / Page	714 / 1819
Instrument Date	Nov 1, 2019
Instrument	201900004559
Transaction Type	Transfer
Record Updated	Mar 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM OH
Recording Date	Nov 7, 2019
Property Address	428 N WALNUT ST, OTTAWA, OH 45875-1351
Document Number	00714/1814
Book / Page	714 / 1814
Instrument Date	Oct 10, 2019
Instrument	201900004558
Transaction Type	Transfer
Record Updated	Mar 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 N WALNUT ST, OTTAWA, OH 45875-1351

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PUTNAM OH
Recording Date	Aug 22, 2018
Property Address	428 N WALNUT ST, OTTAWA, OH 45875-1351
Document Number	00702/0892
Book / Page	702 / 0892
Instrument Date	Aug 18, 2018
Instrument	201800003805
Transaction Type	Transfer
Record Updated	Mar 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PERRYSBURG, OH 43551
Mail Care Of	1535 EAGLECREST RD

Tax Assessment & Valuation

The 2025 property tax bill for 428 N Walnut St was $1,424, up 2.4% from the year before.

Source: Putnam County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Putnam County
County Subdivision	Ottawa Township
Municipality	Ottawa Village
Unified School District	Ottawa-Glandorf Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,424.00 (+2.37%)	$41,830 (+0.41%) Land $6,740 Building $35,090	$119,520 Land $19,260 Building $100,260
2024	$1,391.00 (+0.14%)	$41,660 (+27.75%) Land $6,740 Building $34,920
2023	$1,389.00 (+12.65%) Additional exemption filed	$32,610 (-) Land $5,200 Building $27,410	$119,030 Land $19,260 Building $99,770
2022	$1,233.00	$32,610 Land $5,200 Building $27,410
2020			$93,170 Land $14,860 Building $78,310

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

Flood

FEMA maps place 428 N Walnut St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 1, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	9 (2007–2013)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Dec 2013 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 4 claims

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.

Wildfire

Wildfire risk around 428 N Walnut St is low, with less than a 0.01% annual chance of 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.

Drinking Water

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

Water System	OTTAWA VILLAGE serves 4,393 people · EPA ID OH6900711
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	4 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 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Glandorf Internet Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
MetaLINK Technologies Fixed Wireless	500 / 100
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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