520 Cumberland Dr, Lima, OH 45804 Property Records

Allen County property record for 520 Cumberland Dr, Lima, OH 45804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,699 sqft · built 1971
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (May 2025)
Tax Bill	$2,478 (2025)
Deeds & Mortgages	Feb 2023 Transfer Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`37-3309-07-018.000`

Property Details

APN / Parcel Number

Primary APN	`37-3309-07-018.000`
Alternative APN	`H2737330907018000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,699 sqft Living Area
Gross Area	2,254 sqft
1st Floor Area	624 sqft
Upper Floors Area	525 sqft
Basement Area	550 sqft
Finished Basement	550 sqft
Family Room	Family Room

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Stoop
Porch Area	222 sqft
Deck Area	240 sqft
Shed	1 Shed
Shed Area	260 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	520 CUMBERLAND DR
City	LIMA
State	OH
Zip	45804-3505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY CLUB HILLS NO 7 LOT 25782 JOINT TEN FF 80.00
Legal Subdivision	COUNTRY CLUB HILLS
Legal Lot Number	25782
Jurisdiction	ALLEN OH
Township / Civil Division	BATH
Census Block Group	3
Census Block	3001
Census Tract	11301

Owner

520 Cumberland Dr is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 CUMBERLAND DR, LIMA, OH 45804-3505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2023	Transfer on Death Deed, Transfer
Sep 28, 2022	Deed of Trust, Mortgage SUPERIOR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2025 · Amount on File
Deed Sale	May 16, 2025 · Amount on File
Prior Sale	Dec 27, 1995 · Amount on File
Deed Document Number	20254452
Record Updated	Oct 29, 2026

February 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ALLEN OH
Recording Date	Feb 22, 2023
Property Address	520 CUMBERLAND DR, LIMA, OH 45804-3505
Document Number	2220001368
Book / Page	2023 / 1368
Instrument Date	Feb 22, 2023
Instrument	202302220001368
Transaction Type	Transfer
Record Updated	Mar 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	520 CUMBERLAND DR, LIMA, OH 45804-3505
Transaction Type	Mortgage
Record Updated	Oct 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9280011401
Date	Sep 28, 2022
Book Page	2022/11401
Instrument	202209280011401

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Amount	Amount on Record
Term	144 Months
Due	Sep 17, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 520 Cumberland Dr was $2,478, down 0.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,478.00 (-0.64%)	$56,850 (-) Land $9,420 Building $47,430	$162,400 (-) Land $26,900 Building $135,500
2024	$2,494.00 (+14.46%) Homeowner's exemption	$56,850 (+18.04%) Land $9,420 Building $47,430	$162,400 Land $26,900 Building $135,500
2023	$2,179.00 (-1.18%) Homeowner's exemption	$48,160 (-) Land $7,980 Building $40,180
2022	$2,205.00 Homeowner's exemption	$48,160 Land $7,980 Building $40,180
2021			$137,600 Land $22,800 Building $114,800

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

FEMA maps place 520 Cumberland Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 520 Cumberland Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 78% 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.

Drinking Water

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

Water System	LIMA CITY serves 65,619 people · EPA ID OH0200811
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2026 Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Dec 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 50
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: TSC.

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