4422 Stemen St, Lima, OH 45807 Property Records

Allen County property record for 4422 Stemen St, Lima, OH 45807

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,970 sqft · built 1966
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Sep 2026)
Tax Bill	$2,778 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-2908-02-008.000`

Property Details

APN / Parcel Number

Primary APN	`26-2908-02-008.000`
Alternative APN	`C1126290802008000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,970 sqft Living Area
Gross Area	2,446 sqft
1st Floor Area	1,970 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	19,994 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	666 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	4422 STEMEN ST
City	LIMA
State	OH
Zip	45807-9729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEMEN #1 SUBDIVISION LOT 125 JOINT TEN FF 100.00
Legal Subdivision	STEMEN #1 SUBDIVISION
Legal Lot Number	125
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 October 13, 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	4422 STEMEN ST, LIMA, OH 45807-9729
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE
Dec 23, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2026 · Amount on Record
Deed Sale	Sep 25, 2026 · Amount on Record
Prior Sale	Dec 23, 2020 · Amount on Record
Deed Document Number	202610157
Prior Transfer Date	May 14, 1993
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Sep 25, 2026
Property Address	4422 STEMEN ST, LIMA, OH 45807-9729
Document Number	0000010157
Instrument Date	Sep 23, 2026
Instrument	202610157
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	4422 STEMEN ST, LIMA, OH 45807-9729

Mortgage

Document Number	0000010158,
Date	Sep 25, 2026
Instrument	202610158

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Dec 23, 2020
Property Address	4422 STEMEN ST, LIMA, OH 45807-9729
Document Number	0000016031
Instrument Date	Dec 17, 2020
Instrument	16031
Transaction Type	Transfer
Record Updated	Jan 5, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
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	4422 STEMEN ST LIMA OH 458079729, LIMA, OH 45807-9729

Mortgage

Document Number	16032
Date	Dec 23, 2020
Instrument	16032

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2050

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	$2,778.00 (-1.56%)	$71,020 (-) Land $9,560 Building $61,460	$202,900 (-) Land $27,300 Building $175,600
2024	$2,822.00 (+26.15%) Homeowner's exemption	$71,020 (+40.02%) Land $9,560 Building $61,460	$202,900 (+40.03%) Land $27,300 Building $175,600
2023	$2,237.00 (-2.19%) Homeowner's exemption	$50,720 (-) Land $6,830 Building $43,890
2022	$2,287.00 Homeowner's exemption	$50,720 Land $6,830 Building $43,890
2021			$144,900 Land $19,500 Building $125,400

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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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