4395 Stemen St, Lima, OH 45807 Property Records

Allen County property record for 4395 Stemen St, Lima, OH 45807

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,816 sqft · built 1957
Lot Size	0.482 acres (20,996 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Sep 2025)
Tax Bill	$2,478 (2025)
Deeds & Mortgages	Feb 2026 Construction Loan Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-2908-03-005.000`

Property Details

APN / Parcel Number

Primary APN	`26-2908-03-005.000`
Alternative APN	`C1126290803005000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,816 sqft Living Area
Gross Area	2,483 sqft
1st Floor Area	1,816 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Lot Area	20,996 sqft (0.482 acres)
Lot Dimensions	200 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	72 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	168 sqft
Canopy	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	4395 STEMEN ST
City	LIMA
State	OH
Zip	45807-8734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEMEN #1 SUBDIVISION LOT 117 FF 104.80
Legal Subdivision	STEMEN #1 SUBDIVISION
Legal Lot Number	117
Jurisdiction	ALLEN OH
Township / Civil Division	SUGAR CREEK
Census Block Group	2
Census Block	2021
Census Tract	10300

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	4395 STEMEN ST, LIMA, OH 45807-8734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Deed of Trust, Mortgage · Construction Mortgage SUPERIOR CU INC
Sep 18, 2025	Warranty Deed, Transfer SUPERIOR CU INC
May 27, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage KAREN L RAGER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2025 · Amount on Record
Deed Sale	Sep 18, 2025 · Amount on Record
Prior Sale	May 27, 2020 · Amount on Record
Deed Document Number	20259571
Prior Transfer Date	May 5, 2020
Prior Transfer Doc	5270005500
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	4395 STEMEN ST, LIMA, OH 45807-8734
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2030001042
Date	Feb 3, 2026
Book Page	2026/1042
Instrument	202602030001042

Lender

Name	SUPERIOR CU INC
Type	Credit Union
Address	4230 ELIDA RD, LIMA, OH 45807

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	366 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2031
Change Frequency	5 Years
Min Rate At Change	6.62%
Max Rate At Change	4.62%
Index	5-Year CMT
Max Rate	10.6%

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Sep 18, 2025
Property Address	4395 STEMEN ST, LIMA, OH 45807-8734
Document Number	9180009571
Book / Page	2025 / 9571
Map Reference	MB 9 PG 14-15
Instrument Date	Sep 18, 2025
Instrument	202509180009571
Transaction Type	Transfer
Record Updated	Sep 29, 2025

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	4395 STEMEN ST, LIMA, OH 45807-8734

Mortgage

Document Number	9180009572
Date	Sep 18, 2025
Instrument	202509180009572

Lender

Name	SUPERIOR CU INC
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEN OH
Recording Date	May 27, 2020
Property Address	4395 STEMEN ST, LIMA, OH 45807-8734
Document Number	0000005500
Instrument Date	May 5, 2020
Instrument	5500
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$159.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4395 STEMEN ST LIMA OH 458078734, LIMA, OH 45807-8734

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	4395 STEMEN ST, LIMA, OH 45807-8734
Document Number	0000003498
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4395 STEMEN ST LIMA OH 458078734, LIMA, OH 45807-8734

Mortgage

Document Number	0000003498
Date	Apr 7, 2020
Instrument	3498

Lender

Name	KAREN L RAGER
Address	4734 GLEN LAKES DR, POWELL, OH 43065-7221

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Sugar Creek Township
Unified School District	Elida Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,478.00 (-1.55%)	$61,750 (-) Land $10,050 Building $51,700	$176,400 (-) Land $28,700 Building $147,700
2024	$2,517.00 (+26.1%)	$61,750 (+39.99%) Land $10,050 Building $51,700	$176,400 (+4%) Land $28,700 Building $147,700
2023	$1,996.00 (-2.16%)	$44,110 (-) Land $7,180 Building $36,930
2022	$2,040.00	$44,110 Land $7,180 Building $36,930
2021			$126,000 Land $20,500 Building $105,500

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jun 1982 · 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 98% of the US · lower than 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 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

May also be available: Buckeye Wireless, MetaLINK Technologies, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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