431 Wall St, Cairo, OH 45820 Property Records

Allen County property record for 431 Wall St, Cairo, OH 45820 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,600 sqft · built 1945
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$118,500 (Jul 2017)
Tax Bill	$1,165 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-3206-03-022.000`

Property Details

APN / Parcel Number

Primary APN	`27-3206-03-022.000`
Alternative APN	`B1027320603022000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	16,988 sqft (0.39 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Cistern

Location & Zoning

Street Address	431 WALL ST
City	CAIRO
State	OH
Zip	45820-6533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TEEGARDINS ADDITION PT OLS 11 12 JOINT TEN FF 111.93
Legal Subdivision	TEEGARDINS ADDITION
Legal Lot Number	11
Jurisdiction	ALLEN OH
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1012
Census Tract	10200

Owner

Source: Allen County records · APN 27-3206-03-022.000

Assessment roll updated May 21, 2026 · Last verified June 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 File
Mailing Address	431 WALL ST, CAIRO, OH 45820-6533
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2023	Deed of Trust, Mortgage · Line of Credit TOPMARK FCU
Jul 28, 2017	Warranty Deed, Transfer · Conventional with PMI JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 28, 2017 · Amount on Record
Deed Sale	Jul 28, 2017 · Amount on Record
Prior Sale	Dec 20, 2016 · Amount on Record
Deed Document Number	20178310
Deed Book / Page	2017 / 8310
Prior Transfer Date	Jun 20, 2006
Prior Transfer Doc	6230003569
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	431 WALL ST, CAIRO, OH 45820-6533
Transaction Type	Mortgage
Record Updated	Jan 05, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12280011251
Date	Dec 28, 2023
Book Page	2023/11251
Instrument	202312280011251

Lender

Name	TOPMARK FCU
Type	Credit Union
Address	609 E MAIN ST, CRIDERSVILLE, OH 45806

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 27, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Jul 28, 2017
Property Address	431 WALL ST, CAIRO, OH 45820-6533
Document Number	0000008310
Book / Page	002017 / 008310
Instrument Date	Jul 28, 2017
Instrument	8310
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$355.50
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	431 WALL ST CAIRO OH 45820, CAIRO, OH 45820

Mortgage

Document Number	8311
Date	Jul 28, 2017
Instrument	8311

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2047

Tax Assessment & Valuation

Source: Allen County records · Assessment roll updated May 21, 2026 · Last verified June 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,165.00 (-0.34%)	$28,210 (-) Land $4,830 Building $23,380	$80,600 (-) Land $13,800 Building $66,800
2024	$1,169.00 (+25.83%) Homeowner's exemption	$28,210 (+40.91%) Land $4,830 Building $23,380	$80,600 (+40.91%) Land $13,800 Building $66,800
2023	$929.00 (-0.96%) Homeowner's exemption	$20,020 (-) Land $3,430 Building $16,590
2022	$938.00 Homeowner's exemption	$20,020 Land $3,430 Building $16,590
2021			$57,200 Land $9,800 Building $47,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Allen County (39003C), updated June 20, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 132 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Benton Ridge Telephone Company	Fixed Wireless	400 / 40
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Defiance Holdings, Vaughnsville Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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