Allen County property record for 438 W McKibben St, Lima, OH 45801
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,404 sqft · built 1915 |
| Lot Size | 0.279 acres (12,153 sqft) |
| Owner | Individual Name on File |
| Last Sale | $25,000 (Jul 2011) |
| Tax Bill | $1,122 (2025) |
| Deeds & Mortgages | Aug 2026 Construction Loan Jun 2026 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-2512-06-031.000 |
| Primary APN | 36-2512-06-031.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,404 sqft Living Area |
| Gross Area | 2,560 sqft |
| 1st Floor Area | 928 sqft |
| Upper Floors Area | 476 sqft |
| Basement Area | 672 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 12,153 sqft (0.279 acres) |
| Lot Dimensions | 270 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Frame Porch |
| Porch Area | 220 sqft |
| Patio Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Storm Sewer |
| Water Source | Commercial |
| Street Address | 438 W MCKIBBEN ST |
|---|---|
| City | LIMA |
| State | OH |
| Zip | 45801-4209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NICHOLS ADDITION LOT 956 MD PT FF 45.00 |
| Legal Subdivision | NICHOLS ADDITION |
| Legal Lot Number | 956 |
| Jurisdiction | ALLEN OH |
| Township / Civil Division | LIMA |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 12300 |
438 W McKibben St is owned and occupied by an individual who bought it in July 2011.
Source: Allen County records, as of August 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 438 W MCKIBBEN ST, LIMA, OH 45801-4209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 17, 2026 | Deed of Trust, Mortgage · Construction Mortgage VELOCITY COMMERCIAL CAPITAL LLC |
| Jun 1, 2026 | Deed of Trust, Mortgage · Construction Mortgage NONE LISTED ON DOCUMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 18, 2011 · Amount on File |
| Deed Sale | Jul 18, 2011 · Amount on File |
| Prior Sale | Apr 5, 1999 · Amount on File |
| Deed Document Number | 20117869 |
| Deed Book / Page | 2011 / 7869 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Aug 17, 2026 |
| Property Address | 438 W MCKIBBEN ST, LIMA, OH 45801-4209 |
| Document Number | 0000008557 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 20268557 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 905 PERRY ST, SANDUSKY, OH 44870-3758 |
| Document Number | 0000008557, |
|---|---|
| Date | Aug 17, 2026 |
| Instrument | 20268557 |
| Name | VELOCITY COMMERCIAL CAPITAL LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN OH |
| Recording Date | Jun 1, 2026 |
| Property Address | 438 W MCKIBBEN ST, LIMA, OH 45801-4209 |
| Document Number | 0000005630 |
| Instrument Date | May 22, 2026 |
| Instrument | 20265630 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 438 W MCKIBBEN ST, LIMA, OH 45801-4209 |
| Document Number | 0000005630, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 20265630 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 2 Months |
| Due | Aug 1, 2026 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 438 W McKibben St was $1,122, up 39.9% from the year before.
Source: Allen County assessment roll, as of May 21, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Allen County |
| Municipality | Lima City |
| Unified School District | Lima City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,122.00 (+39.9%) | $15,960 (-) Land $3,640 Building $12,320 | $45,600 (-) Land $10,400 Building $35,200 |
| 2024 | $802.00 (-21.06%) Homeowner's exemption | $15,960 (+26.97%) Land $3,640 Building $12,320 | $45,600 Land $10,400 Building $35,200 |
| 2023 | $1,016.00 (+73.38%) Homeowner's exemption | $12,570 (-) Land $2,870 Building $9,700 | |
| 2022 | $586.00 Homeowner's exemption | $12,570 Land $2,870 Building $9,700 | |
| 2021 | $35,900 Land $8,200 Building $27,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 W McKibben St in Zone X, an area of minimal flood risk.
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.
The area around 438 W McKibben St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 784 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 |
May also be available: TSC.
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