431 E Orchard St, Payne, OH 45880 Property Records

Paulding County property record for 431 E Orchard St, Payne, OH 45880

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,710 sqft · built 2007
Lot Size	0.296 acres (12,894 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Oct 2014)
Tax Bill	$2,778 (2025)
Deeds & Mortgages	Sep 2008 Mortgage Dec 2008 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-15S-003-00`

Property Details

APN / Parcel Number

Primary APN	`19-15S-003-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,710 sqft Living Area
1st Floor Area	3,420 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	12,894 sqft (0.296 acres)
Lot Dimensions	100 ft deep x 129 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	431 E ORCHARD ST
City	PAYNE
State	OH
Zip	45880-9493
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT C&16'STRIP BWTN C&D MCGREW PARCELS PAYNE VILL
Legal Subdivision	MCGRAWS
Legal Lot Number	C
Jurisdiction	PAULDING OH
Township / Civil Division	HARRISON
Census Block Group	4
Census Block	4021
Census Tract	960300

Owner

Source: Paulding County records, as of February 9, 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	431 E ORCHARD ST, PAYNE, OH 45880-9493
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2008	Deed of Trust, Mortgage JPMORGAN CHASE BANK NA
Dec 31, 2008	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 15, 2010	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 3, 2014	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2014 · Amount on Record
Deed Sale	Oct 3, 2014 · Amount on Record
Prior Sale	Mar 8, 2007 · Amount on Record
Deed Document Number	20142174
Deed Book / Page	563 / 2553
Last Transfer Date	Jun 27, 2025
Transfer Doc	00625/2318
Record Updated	Sep 20, 2026

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAULDING OH
Property Address	431 E ORCHARD ST, PAYNE, OH 45880-9493
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00528/2002
Date	Sep 8, 2008
Book Page	528/2002
Instrument	200800002657

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2038

December 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAULDING OH
Property Address	431 E ORCHARD ST, PAYNE, OH 45880-9493
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	TITLE EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00530/0850
Date	Dec 31, 2008
Book Page	530/0850
Instrument	200800003788

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2039

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAULDING OH
Property Address	431 E ORCHARD ST, PAYNE, OH 45880-9493
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00538/1980
Date	Jun 15, 2010
Book Page	538/1980
Instrument	201000001458

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2040

October 2014: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	PAULDING OH
Recording Date	Oct 3, 2014
Property Address	431 E ORCHARD ST, PAYNE, OH 45880-9493
Document Number	00563/2553
Book / Page	563 / 2553
Map Reference	MB 1 PG 216
Instrument Date	Oct 2, 2014
Instrument	201400002174
Transaction Type	Foreclosure
Record Updated	Jun 16, 2026

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Rounded by County
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 KANSAS LN, MONROE, LA 71203-4774
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Paulding County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Paulding County
County Subdivision	Harrison Township
Municipality	Payne Village
Unified School District	Wayne Trace Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,778.00 (+26.22%)	$72,630 (+35%) Land $6,580 Building $66,050	$207,500 (+35%) Land $18,800 Building $188,700
2024	$2,201.00 (+4.07%)	$53,800 (-) Land $4,870 Building $48,930
2023	$2,115.00 (-1.03%)	$53,800 (-) Land $4,870 Building $48,930
2022	$2,137.00	$53,800 Land $4,870 Building $48,930	$153,700 Land $13,900 Building $139,800

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 November 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	7 (1985–2021)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Jul 2021 · rainfall accumulation

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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	PAYNE VILLAGE PWS serves 1,550 people · EPA ID OH6300712
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	4 ppb (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	3 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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fiber · Fixed Wireless	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Lakeland Internet.

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