4405 Stemen St, Lima, OH 45807 Property Records

Allen County property record for 4405 Stemen St, Lima, OH 45807

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,291 sqft · built 1984
Lot Size	0.771 acres (33,585 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Sep 2021)
Tax Bill	$3,710 (2025)
Deeds & Mortgages	Sep 2021 Sale & Refinance Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-2908-03-006.000`

Property Details

APN / Parcel Number

Primary APN	`26-2908-03-006.000`
Alternative APN	`C1126290803006000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,291 sqft Living Area
Gross Area	4,178 sqft
1st Floor Area	1,708 sqft
Attic	Attic
Attic Area	583 sqft
Basement Area	1,215 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	33,585 sqft (0.771 acres)
Lot Dimensions	280 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	278 sqft
Patio Area	676 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	4405 STEMEN ST
City	LIMA
State	OH
Zip	45807-8734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEMEN #1 SUBDIVISION LOT 118 JOINT TEN FF 119.50
Legal Subdivision	STEMEN #1 SUBDIVISION
Legal Lot Number	118
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	2 Individual Names on Record
Mailing Address	4405 STEMEN ST, LIMA, OH 45807-8734
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Survivorship Deed, Transfer · Stand-Alone Refinance SUPERIOR CU INC
Feb 7, 2020	Deed of Trust, Mortgage · Line of Credit FIRST FED'L BK/THE MIDWEST
Aug 7, 2018	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Prior Sale	Oct 1, 1982 · Amount on Record
Deed Document Number	202113493
Deed Book / Page	2021 / 13493
Record Updated	Sep 20, 2026

September 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	ALLEN OH
Recording Date	Sep 24, 2021
Property Address	4405 STEMEN ST, LIMA, OH 45807-8734
Document Number	9240013493
Book / Page	2021 / 13493
Map Reference	MB 9 PG 14
Instrument Date	Sep 24, 2021
Instrument	202109240013493
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4405 STEMEN ST, LIMA, OH 45807-8734

Mortgage

Document Number	9240013494
Date	Sep 24, 2021
Instrument	202109240013494

Lender

Name	SUPERIOR CU INC
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	4405 STEMEN ST, LIMA, OH 45807-8734
Document Number	0000001632
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4405 STEMEN ST ELIDA OH 458078734, ELIDA, OH 45807-8734

Mortgage

Document Number	0000001632
Date	Feb 13, 2020
Instrument	1632

Lender

Name	FIRST FED'L BK/THE MIDWEST
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ALLEN OH
Recording Date	Aug 7, 2018
Property Address	4405 STEMEN ST, LIMA, OH 45807-8734
Document Number	0000009040
Instrument Date	Feb 19, 2018
Instrument	9040
Transaction Type	Transfer
Record Updated	Aug 17, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4405 STEMEN ST ELIDA OH 458078734, ELIDA, OH 45807-8734

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	$3,710.00 (-1.54%)	$94,820 (-) Land $10,570 Building $84,250	$270,900 (-) Land $30,200 Building $240,700
2024	$3,768.00 (+26.15%) Homeowner's exemption	$94,820 (+4%) Land $10,570 Building $84,250	$270,900 (+4%) Land $30,200 Building $240,700
2023	$2,987.00 (-2.19%) Homeowner's exemption	$67,730 (-) Land $7,560 Building $60,170
2022	$3,054.00 Homeowner's exemption	$67,730 Land $7,560 Building $60,170
2021			$193,500 Land $21,600 Building $171,900

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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