Defiance County property record for 5908 Kramer Rd, Edgerton, OH 43517
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,177 sqft · built 1970 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Apr 2026) |
| Tax Bill | $2,560 (2025) |
| Deeds & Mortgages | Nov 2016 Mortgage Feb 2009 Reverse Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | H210011000100 |
| Primary APN | H210011000100 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,177 sqft Living Area |
| Gross Area | 4,254 sqft |
| 1st Floor Area | 1,577 sqft |
| Upper Floors Area | 600 sqft |
| Basement Area | 1,577 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 130,680 sqft (3 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 1,380 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 164 sqft |
| Lean-To | 532 sqft |
| Pole Barn | 912 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 5908 KRAMER RD |
|---|---|
| City | EDGERTON |
| State | OH |
| Zip | 43517-9533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECTION 11 PT E 1/2 NE |
| Jurisdiction | DEFIANCE OH |
| Township / Civil Division | MILFORD |
| Census Block Group | 4 |
| Census Block | 4031 |
| Census Tract | 958200 |
5908 Kramer Rd is owned and occupied by two individuals who bought it in April 2026.
Source: Defiance County records, as of October 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5908 KRAMER RD, EDGERTON, OH 43517-9533 |
| 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.
| Date | Document |
|---|---|
| Nov 28, 2016 | Deed of Trust, Mortgage THE FARMERS & MERCHANTS STATE BANK |
| Feb 25, 2009 | Deed of Trust, Mortgage · Reverse Mortgage WESTSTAR MORTGAGE INC |
| Nov 17, 2006 | Deed of Trust, Mortgage · Conventional Mortgage THE HICKSVILLE BANK EDGERTON BRANCH |
| Jun 20, 2013 | Deed of Trust, Mortgage · Line of Credit THE FARMERS & MERCHANTS STATE BANK |
| Jun 26, 2018 | Deed of Trust, Mortgage · Line of Credit FARMERS & MECHANICS BANK |
| Apr 9, 2026 | Warranty Deed, Transfer · FHA Mortgage ASIA BANK NATIONAL ASSOCIATION |
| Apr 9, 2026 | Warranty Deed, Transfer · FHA Mortgage BANK NATIONAL ASSOCIATION |
| Jun 26, 2018 | Deed of Trust, Mortgage · Line of Credit FARMERS & MECHANICS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 9, 2026 · Amount on File |
| Deed Sale | Apr 9, 2026 · Amount on File |
| Prior Sale | Feb 21, 2013 · Amount on File |
| Deed Document Number | 20261178 |
| Deed Book / Page | 480 / 1338 |
| Prior Transfer Date | Feb 9, 2009 |
| Prior Transfer Doc | 332/1059 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Property Address | 5908 KRAMER RD, EDGERTON, OH 43517-9533 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00400/1458 |
|---|---|
| Date | Nov 28, 2016 |
| Book Page | 400/1458 |
| Instrument | 201600005277 |
| Name | THE FARMERS & MERCHANTS STATE BANK |
|---|---|
| Type | Bank |
| Address | ARCHBOLD, OH 43502 |
| Amount | Amount on Record |
|---|---|
| Term | 181 Months |
| Due | Dec 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Property Address | 5908 KRAMER RD, EDGERTON, OH 43517-9533 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00332/1059 |
|---|---|
| Date | Feb 25, 2009 |
| Book Page | 332/1059 |
| Instrument | 200900001232 |
| Name | WESTSTAR MORTGAGE INC |
|---|---|
| Type | Funding / Finance Company |
| Address | WOODBRIDGE, VA 22192 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 818 Months |
| Due | Apr 2, 2077 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.74% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2009 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 13.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Property Address | 5908 KRAMER RD, EDGERTON, OH 43517-9533 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00311/2766 |
|---|---|
| Date | Nov 17, 2006 |
| Book Page | 311/2766 |
| Instrument | 200600007739 |
| Name | THE HICKSVILLE BANK EDGERTON BRANCH |
|---|---|
| Address | EDGERTON, OH 43517 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2016 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Property Address | 5908 KRAMER RD, EDGERTON, OH 43517-9533 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00372/1951 |
|---|---|
| Date | Jun 20, 2013 |
| Book Page | 372/1951 |
| Instrument | 201300003158 |
| Name | THE FARMERS & MERCHANTS STATE BANK |
|---|---|
| Type | Bank |
| Address | ARCHBOLD, OH 43502 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 20, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Property Address | 5908 KRAMER RD, EDGERTON, OH 43517-9533 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00413/0363 |
|---|---|
| Date | Jun 26, 2018 |
| Book Page | 413/0363 |
| Instrument | 201800002762 |
| Name | FARMERS & MECHANICS BANK |
|---|---|
| Type | Bank |
| Address | ARCHBOLD, OH 43502 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jul 20, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Recording Date | Apr 9, 2026 |
| Property Address | 5908 KRAMER RD, EDGERTON, OH 43517-9533 |
| Document Number | 0000001178 |
| Book / Page | 480 / 1338 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 20261178 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $119,180.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 5908 KRAMER RD, EDGERTON, OH 43517-9533 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001179, |
|---|---|
| Date | Apr 9, 2026 |
| Instrument | 20261179 |
| Name | ASIA BANK NATIONAL ASSOCIATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Recording Date | Apr 9, 2026 |
| Property Address | 5908 KRAMER RD, EDGERTON, OH 43517-9533 |
| Document Number | 00480/1338 |
| Book / Page | 480 / 1338 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 20261178 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $119,180.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 5908 KRAMER RD, EDGERTON, OH 43517-9533 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001179, |
|---|---|
| Date | Apr 9, 2026 |
| Instrument | 20261179 |
| Name | BANK NATIONAL ASSOCIATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.12% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Property Address | 5908 KRAMER RD, EDGERTON, OH 43517-9533 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2018 |
| Name | Verified Name |
|---|
| Document Number | 413/0363 |
|---|---|
| Date | Jun 26, 2018 |
| Book Page | 413/0363 |
| Instrument | 201800002762 |
| Name | FARMERS & MECHANICS BANK |
|---|---|
| Type | Bank |
| Address | ARCHBOLD, OH 43502 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jul 20, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 5908 Kramer Rd was $2,560.
Source: Defiance County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Defiance County |
| County Subdivision | Milford Township |
| Unified School District | Edgerton Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,560.00 | $68,410 (-) Land $7,910 Building $60,500 | |
| 2024 | $2,560.00 (-4.48%) | $68,410 (-) Land $7,910 Building $60,500 | $195,460 (+%) Land $22,590 Building $172,870 |
| 2023 | $2,680.00 (+32.74%) | $68,410 (+45.74%) Land $7,910 Building $60,500 | $195,457 Land $22,600 Building $172,857 |
| 2022 | $2,019.00 | $46,940 Land $7,100 Building $39,840 | |
| 2020 | $134,120 Land $20,280 Building $113,840 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 5908 Kramer Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021
| 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.
The area around 5908 Kramer Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sherwood Mutual Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| Lakeland Internet Fixed Wireless | 100 / 20 |
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