434 Prospect Ave, Lima, OH 45804 Property Records

Allen County property record for 434 Prospect Ave, Lima, OH 45804

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,640 sqft · built 1900
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Mar 2022)
Tax Bill	$600 (2025)
Deeds & Mortgages	May 2024 Line of Credit Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-3109-11-013.000`

Property Details

APN / Parcel Number

Primary APN	`37-3109-11-013.000`
Alternative APN	`M3837310911013000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,640 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	928 sqft
Upper Floors Area	712 sqft
Basement Area	712 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Wood
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	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	240 sqft
Deck Area	84 sqft
Patio Area	84 sqft
Shed	1 Shed
Shed Area	400 sqft
Lean-To	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	434 PROSPECT AVE
City	LIMA
State	OH
Zip	45804-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T K JACOBS JRS 9TH ADD LOT 5224 S SIDE FF 49.75
Legal Subdivision	T K JACOBS JRS 9TH ADD
Legal Lot Number	5224
Jurisdiction	ALLEN OH
Township / Civil Division	LIMA
Census Block Group	1
Census Block	1007
Census Tract	12700

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	Individual Name on Record
Mailing Address	434 PROSPECT AVE, LIMA, OH 45804-1454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2024	Deed of Trust, Mortgage · Line of Credit THE MIDDLEFIELD BANKING CO
Mar 24, 2022	Warranty Deed, Transfer · Conventional Mortgage LIBERTY NATIONAL BANK
Nov 9, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2022 · Amount on Record
Deed Sale	Mar 24, 2022 · Amount on Record
Prior Sale	Aug 31, 2007 · Amount on Record
Deed Document Number	20223437
Prior Transfer Date	Oct 25, 2021
Prior Transfer Doc	11090015704
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	434 PROSPECT AVE, LIMA, OH 45804-1454
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5080004013
Date	May 8, 2024
Book Page	2024/4013
Instrument	202405080004013

Lender

Name	THE MIDDLEFIELD BANKING CO
Type	Bank
Address	15985 E HIGH ST, MIDDLEFIELD, OH 44062

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Mar 24, 2022
Property Address	434 PROSPECT AVE, LIMA, OH 45804-1454
Document Number	3240003437
Book / Page	2022 / 3437
Map Reference	MB 4 PG 62
Instrument Date	Mar 24, 2022
Instrument	202203240003437
Transaction Type	Transfer
Record Updated	Apr 6, 2022

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	434 PROSPECT AVE, LIMA, OH 45804-1454

Mortgage

Document Number	3240003438
Date	Mar 24, 2022
Instrument	202203240003438

Lender

Name	LIBERTY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	7.5%
Index	5-Year CMT
Max Rate	11.5%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALLEN OH
Recording Date	Nov 9, 2021
Property Address	434 PROSPECT AVE, LIMA, OH 45804-1454
Document Number	11090015704
Book / Page	2021 / 15704
Map Reference	MB 4 PG 62
Instrument Date	Oct 25, 2021
Instrument	202111090015704
Transaction Type	Transfer
Record Updated	Nov 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 N GREENLAWN AVE, LIMA, OH 45807-1001

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
Municipality	Lima City
Unified School District	Lima City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$600.00 (+0.17%)	$15,580 (-) Land $1,230 Building $14,350	$44,500 (-) Land $3,500 Building $41,000
2024	$599.00 (-7.13%) Homeowner's exemption	$15,580 (+5.2%) Land $1,230 Building $14,350	$44,500 (+5.2%) Land $3,500 Building $41,000
2023	$645.00 (-2.57%) Homeowner's exemption	$14,810 (-) Land $1,160 Building $13,650
2022	$662.00	$14,810 Land $1,160 Building $13,650
2021			$42,300 Land $3,300 Building $39,000

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

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	Not rated no burnable land within 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	LIMA CITY serves 65,619 people · EPA ID OH0200811
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2026 Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Dec 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: MetaLINK Technologies.

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