5654 Clover Ridge Dr, Lima, OH 45807 Property Records

Allen County property record for 5654 Clover Ridge Dr, Lima, OH 45807

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,055 sqft · built 1993
Lot Size	0.362 acres (15,769 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Jun 2026)
Tax Bill	$3,546 (2025)
Deeds & Mortgages	Jun 2026 Sale Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-1707-02-033.000`

Property Details

APN / Parcel Number

Primary APN	`36-1707-02-033.000`
Alternative APN	`G2636170702033000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,055 sqft Living Area
Gross Area	2,539 sqft
1st Floor Area	1,232 sqft
Attic	Attic
Attic Area	823 sqft
Family Room	Family Room

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	15,769 sqft (0.362 acres)
Lot Dimensions	175 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	45 sqft
Deck Area	48 sqft
Patio Area	403 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	5654 CLOVER RIDGE DR
City	LIMA
State	OH
Zip	45807-1357
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAUREL OAKS SUBDIVISION #16 LOT 1209 FF 90.00
Legal Subdivision	LAUREL OAKS SUBDIVISION
Legal Lot Number	1209
Jurisdiction	ALLEN OH
Township / Civil Division	AMERICAN
Census Block Group	3
Census Block	3000
Census Tract	10801

Owner

5654 Clover Ridge Dr is owned and occupied by two individuals who bought it in June 2026.

Source: Allen County records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5654 CLOVER RIDGE DR, ELIDA, OH 45807-1357
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
Jun 18, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Nov 3, 2022	Deed of Trust, Mortgage · Line of Credit SUPERIOR CU
Aug 9, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIZENS NAT'L BK/BLUFFTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Prior Sale	Aug 9, 2019 · Amount on File
Deed Document Number	20266423
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Jun 18, 2026
Property Address	5654 CLOVER RIDGE DR, LIMA, OH 45807-1357
Document Number	0000006423
Instrument Date	Jun 17, 2026
Instrument	20266423
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$101,505.00
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	5654 CLOVER RIDGE DR, LIMA, OH 45807-1357

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	5654 CLOVER RIDGE DR, LIMA, OH 45807-1357
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	11030012690
Date	Nov 3, 2022
Book Page	2022/12690
Instrument	202211030012690

Lender

Name	SUPERIOR CU
Type	Credit Union
Address	LIMA, OH 45807

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	144 Months
Due	Oct 31, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Aug 9, 2019
Property Address	5654 CLOVER RIDGE DR, LIMA, OH 45807-1357
Document Number	0000008094
Book / Page	002019 / 008095
Instrument Date	Aug 8, 2019
Instrument	8094
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$567.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5654 CLOVER RIDGE DR LIMA OH 458071357, LIMA, OH 45807-1357

Mortgage

Document Number	8095
Date	Aug 9, 2019
Book Page	002019/008095
Instrument	8095

Lender

Name	CITIZENS NAT'L BK/BLUFFTON
Type	Bank
Address	BLUFFTON, OH 45817

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5654 Clover Ridge Dr was $3,546, down 1.4% 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	American Township
Municipality	Elida Village
Unified School District	Elida Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,546.00 (-1.42%)	$82,290 (-) Land $9,240 Building $73,050	$235,100 (-) Land $26,400 Building $208,700
2024	$3,597.00 (+15.07%) Homeowner's exemption	$82,290 (+28.96%) Land $9,240 Building $73,050	$235,100 Land $26,400 Building $208,700
2023	$3,126.00 (-1.98%) Homeowner's exemption	$63,810 (-) Land $7,180 Building $56,630
2022	$3,189.00 Homeowner's exemption	$63,810 Land $7,180 Building $56,630
2021			$182,300 Land $20,500 Building $161,800

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 5654 Clover Ridge Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5654 Clover Ridge 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 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.

Drinking Water

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

Water System	ELIDA VILLAGE serves 4,109 people · EPA ID OH0200503
Water Source	Purchased surface water from LIMA CITY
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2026) 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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, MetaLINK Technologies.

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