429 W Main St, Cairo, OH 45820 Property Records

Allen County property record for 429 W Main St, Cairo, OH 45820

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,399 sqft · built 1920
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Sep 2026)
Tax Bill	$1,222 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2024 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-3206-02-023.000`

Property Details

APN / Parcel Number

Primary APN	`27-3206-02-023.000`
Alternative APN	`B1027320602023000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,399 sqft Living Area
Gross Area	2,491 sqft
1st Floor Area	1,399 sqft
Basement Area	972 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1971
Architectural Style	Conventional
Exterior Material	Frame Siding
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	252 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	211 sqft
Deck Area	216 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	429 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 46 JOINT TEN FF 50.00
Legal Subdivision	JAMES DOWNINGS ADDITION
Legal Lot Number	46
Jurisdiction	ALLEN OH
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1035
Census Tract	10200

Owner

Source: Allen County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	429 W MAIN ST, CAIRO, OH 45820-6517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Apr 5, 2024	Warranty Deed, Transfer · Line of Credit THE UNION BANK CO
Sep 29, 2021	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2026 · Amount on Record
Deed Sale	Sep 18, 2026 · Amount on Record
Prior Sale	Apr 5, 2024 · Amount on Record
Deed Document Number	20269854
Prior Transfer Date	Jun 6, 2016
Prior Transfer Doc	6060005637
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Sep 18, 2026
Property Address	429 W MAIN ST, CAIRO, OH 45820-6517
Document Number	0000009854
Instrument Date	Sep 2, 2026
Instrument	20269854
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 W MAIN ST, CAIRO, OH 45820-6517

Mortgage

Document Number	0000009855,
Date	Sep 18, 2026
Instrument	20269855

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Apr 5, 2024
Property Address	429 W MAIN ST, CAIRO, OH 45820-6517
Document Number	4050002858
Book / Page	2024 / 2858
Map Reference	MB 1 PG 38
Instrument Date	Apr 4, 2024
Instrument	202404050002858
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	Joint Tenants with Right of Survivorship
Address	429 W MAIN ST, CAIRO, OH 45820-6517

Mortgage

Document Number	4050002859
Date	Apr 5, 2024
Instrument	202404050002859

Lender

Name	THE UNION BANK CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 15, 2044

Interest

Rate Type	Adjustable Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Sep 29, 2021
Property Address	429 W MAIN ST, CAIRO, OH 45820-6517
Document Number	9290013687
Book / Page	2021 / 13687
Map Reference	MB 1 PG 38
Instrument Date	Sep 28, 2021
Instrument	202109290013687
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Address	429 W MAIN ST, CAIRO, OH 45820-6517

Mortgage

Document Number	9290013688
Date	Sep 29, 2021
Instrument	202109290013688

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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	$1,222.00 (+2.35%)	$28,810 (-) Land $3,570 Building $25,240	$82,300 (-) Land $10,200 Building $72,100
2024	$1,194.00 (+26.08%) Homeowner's exemption	$28,810 (+41.16%) Land $3,570 Building $25,240	$82,300 (+41.17%) Land $10,200 Building $72,100
2023	$947.00 (-0.94%) Homeowner's exemption	$20,410 (-) Land $2,520 Building $17,890
2022	$956.00 Homeowner's exemption	$20,410 Land $2,520 Building $17,890
2021			$58,300 Land $7,200 Building $51,100

Assessed value is set for property tax purposes, not a market price estimate; it is 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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