4281 N Cole St, Lima, OH 45807 Property Records

Allen County property record for 4281 N Cole St, Lima, OH 45807

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,147 sqft · built 1997
Lot Size	4.25 acres (185,130 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Feb 2026)
Tax Bill	$3,594 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`36-1100-01-020.000`

Property Details

APN / Parcel Number

Primary APN	`36-1100-01-020.000`
Alternative APN	`G2536110001020000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,147 sqft Living Area
Gross Area	2,542 sqft
1st Floor Area	775 sqft
Attic	Attic
Attic Area	372 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	185,130 sqft (4.25 acres)
Garage Type	Attached
Garage Area	1,395 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Deck Area	64 sqft
Patio Area	624 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	4281 N COLE ST
City	LIMA
State	OH
Zip	45807-9516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE1/4 RTS 06-03-11
Jurisdiction	ALLEN OH
Township / Civil Division	AMERICAN
Census Block Group	1
Census Block	1013
Census Tract	10300

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	2 Individual Names on Record
Mailing Address	4255 N COLE ST, LIMA, OH 45807-9516
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Survivorship Deed, Transfer · Conventional Mortgage SUPERIOR CU INC
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FORT JENNINGS ST BK
Jul 24, 2018	Deed of Trust, Mortgage · Line of Credit FORT JENNINGS ST BK
Jun 29, 2018	Deed of Trust, Mortgage · Line of Credit FORT JENNINGS ST BK
Sep 15, 2017	Trustee's Deed, Construction Loan · Line of Credit FORT JENNINGS ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Prior Sale	Sep 15, 2017 · Amount on Record
Deed Document Number	20261955
Record Updated	Oct 29, 2026

February 2026: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	ALLEN OH
Recording Date	Feb 27, 2026
Property Address	4281 N COLE ST, LIMA, OH 45807-9516
Document Number	2270001955
Book / Page	2026 / 1955
Instrument Date	Feb 26, 2026
Instrument	202602270001955
Transaction Type	Transfer
Record Updated	Mar 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4255 N COLE ST, LIMA, OH 45807-9516

Mortgage

Document Number	2270001956
Date	Feb 27, 2026
Instrument	202602270001956

Lender

Name	SUPERIOR CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2031
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	4281 N COLE ST, LIMA, OH 45807-9516
Document Number	0000014203
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4281 N COLE ST LIMA OH 458079516, LIMA, OH 45807-9516

Mortgage

Document Number	0000014203
Date	Nov 13, 2020
Instrument	14203

Lender

Name	FORT JENNINGS ST BK
Type	Bank
Address	FORT JENNINGS, OH 45844-0186

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 12, 2035

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	4281 N COLE ST, LIMA, OH 45807-9516
Document Number	0000008624
Instrument Date	Jul 24, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4281 N COLE ST LIMA OH 458079516, LIMA, OH 45807-9516

Mortgage

Document Number	0000008624
Date	Jul 27, 2018
Instrument	8624

Lender

Name	FORT JENNINGS ST BK
Type	Bank
Address	FORT JENNINGS, OH 45844-0186

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 26, 2038

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	4281 N COLE ST, LIMA, OH 45807-9516
Document Number	0000007706
Instrument Date	Jun 29, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4281 N COLE ST LIMA OH 458079516, LIMA, OH 45807-9516

Mortgage

Document Number	0000007706
Date	Jul 5, 2018
Instrument	7706

Lender

Name	FORT JENNINGS ST BK
Type	Bank
Address	FORT JENNINGS, OH 45844-0186

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 4, 2028

Interest

Rate Type	Adjustable Rate

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ALLEN OH
Recording Date	Sep 15, 2017
Property Address	4281 N COLE ST, LIMA, OH 45807-9516
Document Number	0000010224
Book / Page	002017 / 010224
Instrument Date	Sep 13, 2017
Instrument	10224
Transaction Type	Construction Loan
Record Updated	Oct 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4281 N COLE ST LIMA OH 458079516, LIMA, OH 45807-9516

Mortgage

Document Number	10225
Date	Sep 15, 2017
Instrument	10225

Lender

Name	FORT JENNINGS ST BK
Type	Bank
Address	FORT JENNINGS, OH 45844-0186

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 14, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	American Township
Unified School District	Elida Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,594.00 (-1.8%)	$81,130 (-) Land $25,550 Building $55,580	$231,800 (-) Land $73,000 Building $158,800
2024	$3,660.00 (+19.45%)	$81,130 (+37.95%) Land $25,550 Building $55,580	$231,800 (+37.98%) Land $73,000 Building $158,800
2023	$3,064.00 (+0.82%)	$58,810 (-) Land $18,520 Building $40,290
2022	$3,039.00	$58,810 Land $18,520 Building $40,290
2021			$168,000 Land $52,900 Building $115,100

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1978–2011)
Most Recent Claim	Feb 2011 · river or lake flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 78% 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 18 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: MetaLINK Technologies.

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