513 W Main St, Cairo, OH 45820 Property Records

Allen County property record for 513 W Main St, Cairo, OH 45820

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,360 sqft · built 1920
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,100 (Mar 2026)
Tax Bill	$3,445 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Re-recorded Document + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27-3206-02-028.000`

Property Details

APN / Parcel Number

Primary APN	`27-3206-02-028.000`
Alternative APN	`B1027320602028000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area
Gross Area	1,756 sqft
1st Floor Area	892 sqft
Upper Floors Area	468 sqft
Basement Area	396 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	299 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Street Address	513 W MAIN ST
City	CAIRO
State	OH
Zip	45820-6518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES DOWNINGS ADDITION LOT 41 FF 50.00
Legal Subdivision	JAMES DOWNINGS ADDITION
Legal Lot Number	41
Jurisdiction	ALLEN OH
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1034
Census Tract	10200

Owner

Source: Allen County records, as of May 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	13592 WAYNESFIELD RD, WAPAKONETA, OH 45895-8621
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Special Warranty Deed, Transfer ALLODIAL TITLE
Apr 22, 2026	Re-recorded Document ALLODIAL TITLE, ALLODIAL TITLE LLC
Mar 25, 2026	Sheriff's Deed, Foreclosure
Apr 26, 2024	Deed of Trust, Mortgage · Stand-Alone First Mortgage TOPMARK FCU
Feb 15, 2019	Deed of Trust, Mortgage · Line of Credit THE UNION BK CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2026 · Amount on Record
Deed Sale	Mar 25, 2026 · Amount on Record
Prior Sale	Apr 26, 2024 · Amount on Record
Deed Document Number	20262762
Prior Transfer Date	Mar 20, 2026
Prior Transfer Doc	0000002762
Record Updated	Oct 29, 2026

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Apr 10, 2026
Property Address	513 W MAIN ST, CAIRO, OH 45820-6518
Document Number	0000003517
Instrument Date	Mar 30, 2026
Instrument	20263517
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	ALLODIAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13592 WAYNESFIELD RD, WAPAKONETA, OH 45895-8621

April 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ALLEN OH
Recording Date	Apr 22, 2026
Property Address	513 W MAIN ST, CAIRO, OH 45820-6518
Document Number	0000003952
Instrument Date	Mar 30, 2026
Instrument	20263952
Record Updated	Aug 27, 2026
Title Company	ALLODIAL TITLE, ALLODIAL TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13592 WAYNESFIELD RD, WAPAKONETA, OH 45895-8621

March 2026: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ALLEN OH
Recording Date	Mar 25, 2026
Property Address	513 W MAIN ST, CAIRO, OH 45820-6518
Document Number	3250002762
Book / Page	2026 / 2762
Map Reference	MB 1 PG 38
Instrument Date	Mar 20, 2026
Instrument	202603250002762
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8250 JONES BRANCH DR, MCLEAN, VA 22102-3107
Investor	Possibly a Property Investor

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	513 W MAIN ST, CAIRO, OH 45820-6518
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4260003552
Date	Apr 26, 2024
Book Page	2024/3552
Instrument	202404260003552

Lender

Name	TOPMARK FCU
Type	Credit Union
Address	1511 N MAIN ST, LIMA, OH 45801

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	513 W MAIN ST, CAIRO, OH 45820-6518
Document Number	0000001403
Instrument Date	Feb 15, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	513 W MAIN ST CAIRO OH 45820, CAIRO, OH 45820

Mortgage

Document Number	0000001403
Date	Feb 15, 2019
Book Page	002019/001403
Instrument	1403

Lender

Name	THE UNION BK CO
Type	Bank
Address	LIMA, OH 45804

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 14, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
County Subdivision	Monroe Township
Municipality	Cairo Village
Unified School District	Bath Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,445.00 (+100.64%)	$31,050 (-) Land $3,570 Building $27,480	$88,700 (-) Land $10,200 Building $78,500
2024	$1,717.00 (+53.3%) Homeowner's exemption	$31,050 (+41.01%) Land $3,570 Building $27,480	$88,700 (+41.02%) Land $10,200 Building $78,500
2023	$1,120.00 (+5.86%)	$22,020 (-) Land $2,520 Building $19,500
2022	$1,058.00	$22,020 Land $2,520 Building $19,500
2021			$62,900 Land $7,200 Building $55,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

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 132 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
Verizon Fixed Wireless	300 / 20

May also be available: Buckeye Wireless, MetaLINK Technologies.

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