447 E Orchard St, Payne, OH 45880 Property Records

Paulding County property record for 447 E Orchard St, Payne, OH 45880

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,432 sqft · built 1971
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on Record
Last Sale	$35,000 (May 2023)
Tax Bill	$1,704 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-15S-008-00`

Property Details

APN / Parcel Number

Primary APN	`19-15S-008-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,432 sqft Living Area
1st Floor Area	2,864 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	9,801 sqft (0.225 acres)
Lot Dimensions	100 ft deep x 98 ft wide
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	376 sqft
Deck Area	Deck Area
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	447 E ORCHARD ST
City	PAYNE
State	OH
Zip	45880-9493
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT G MCGREW PARCELS BLOCK E PAYNE VILL
Legal Subdivision	MCGREWS PARCELS
Legal Block	E
Legal Lot Number	G
Jurisdiction	PAULDING OH
Township / Civil Division	HARRISON
Census Block Group	4
Census Block	4021
Census Tract	960300

Owner

Source: Paulding County records, as of August 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	447 E ORCHARD ST, PAYNE, OH 45880-9493
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Deed of Trust, Mortgage · Line of Credit THE STATE BANK & TRUST CO
Oct 6, 2025	Deed, Transfer · Line of Credit THE STATE BANK & TRUST CO
May 1, 2023	Warranty Deed, Transfer · Conventional Mortgage THE STATE BANK & TRUST CO
Dec 5, 2022	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2023 · Amount on Record
Deed Sale	May 1, 2023 · Amount on Record
Prior Sale	Feb 19, 2002
Deed Document Number	2023831
Deed Book / Page	612 / 2485
Last Transfer Date	Oct 3, 2025
Transfer Doc	00626/2291
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAULDING OH
Property Address	447 E ORCHARD ST, PAYNE, OH 45880-9493
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00626/2401
Date	Oct 8, 2025
Book Page	626/2401
Instrument	202500002557

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank
Address	PAULDING, OH 45879

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 24, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	PAULDING OH
Recording Date	Oct 6, 2025
Property Address	447 E ORCHARD ST, PAYNE, OH 45880-9493
Document Number	00626/2291
Book / Page	626 / 2291
Instrument Date	Oct 3, 2025
Instrument	202500002538
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	PEAK TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 E ORCHARD ST, PAYNE, OH 45880-9493

Mortgage

Document Number	00626/2294
Date	Oct 6, 2025
Book Page	626/2294
Instrument	202500002539

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank
Address	PAULDING, OH 45879

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 24, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PAULDING OH
Recording Date	May 1, 2023
Property Address	447 E ORCHARD ST, PAYNE, OH 45880
Document Number	00612/2485
Book / Page	612 / 2485
Instrument Date	Apr 24, 2023
Instrument	202300000831
Transaction Type	Transfer
Record Updated	May 12, 2023

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	447 E ORCHARD ST, PAYNE, OH 45880

Mortgage

Document Number	202300000832
Date	May 1, 2023
Instrument	202300000832

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

December 2022: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	PAULDING OH
Recording Date	Dec 5, 2022
Property Address	447 E ORCHARD ST, PAYNE, OH 45880
Document Number	000611/148
Book / Page	611 / 148
Instrument Date	Dec 5, 2022
Instrument	202200003019
Transaction Type	Transfer
Record Updated	May 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Paulding County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Paulding County
County Subdivision	Harrison Township
Municipality	Payne Village
Unified School District	Wayne Trace Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,704.00 (+26.04%) Homeowner's exemption	$45,540 (+34.97%) Land $5,290 Building $40,250	$130,100 (+34.96%) Land $15,100 Building $115,000
2024	$1,352.00 (+4.08%) Homeowner's exemption	$33,740 (-) Land $3,920 Building $29,820
2023	$1,299.00 (-0.99%)	$33,740 (-) Land $3,920 Building $29,820
2022	$1,312.00	$33,740 Land $3,920 Building $29,820	$96,400 Land $11,200 Building $85,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	7 (1985–2021)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Jul 2021 · 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 94% of the US · lower than 74% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PAYNE VILLAGE PWS serves 1,550 people · EPA ID OH6300712
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MetaLINK Technologies Fiber · Fixed Wireless	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Lakeland Internet.

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