628 S Scott St, Lima, OH 45804 Property Records

Allen County property record for 628 S Scott St, Lima, OH 45804

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,404 sqft · built 1900
Lot Size	0.183 acres (7,971 sqft)
Owner	Individual Name on Record
Last Sale	$162,900 (Jul 2022)
Tax Bill	$1,495 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`37-3112-08-046.000`

Property Details

APN / Parcel Number

Primary APN	`37-3112-08-046.000`
Alternative APN	`M3837311208046000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,404 sqft Living Area
Gross Area	2,136 sqft
1st Floor Area	732 sqft
Upper Floors Area	672 sqft
Basement Area	732 sqft
Family Room	Family Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	7,971 sqft (0.183 acres)
Lot Dimensions	155 ft deep x 51.3 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	160 sqft
Deck Area	264 sqft
Patio 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	628 S SCOTT ST
City	LIMA
State	OH
Zip	45804-1366
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCPHERON AND PHILLIPS THIRD ADDITION PT LOTS 4507 & 4508 FF 51.34
Legal Subdivision	MCPHERON AND PHILLIPS THIRD ADDITION
Legal Lot Number	4507
Jurisdiction	ALLEN OH
Township / Civil Division	LIMA
Census Block Group	2
Census Block	2027
Census Tract	12700

Owner

Source: Allen County records, as of May 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	628 S SCOTT ST, LIMA, OH 45804-1366
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jul 12, 2022	Warranty Deed, Transfer · FHA Mortgage T2 FINANCIAL LLC
Jul 12, 2022	Quit Claim Deed, Transfer Quitclaim
May 4, 2021	Sheriff's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2022 · Amount on Record
Deed Sale	Jul 12, 2022 · Amount on Record
Prior Sale	May 4, 2021 · Amount on Record
Deed Document Number	20228188
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	628 S SCOTT ST, LIMA, OH 45804-1366
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 S SCOTT ST, LIMA, OH 45804-1366

Mortgage

Document Number	4290003635
Date	Apr 29, 2024
Book Page	2024/3635
Instrument	202404290003635

Lender

Name	US BANK NA
Type	Bank
Address	999 TECH ROW STE 200, MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Aug 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Jul 12, 2022
Property Address	628 S SCOTT ST, LIMA, OH 45804-1366
Document Number	7120008188
Book / Page	2022 / 8188
Map Reference	MB 2 PG 394-395
Instrument Date	Jul 11, 2022
Instrument	202207120008188
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 S SCOTT ST, LIMA, OH 45804-1366

Mortgage

Document Number	7120008189
Date	Jul 12, 2022
Instrument	202207120008189

Lender

Name	T2 FINANCIAL LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Mortgage

Document Number	7120008190
Date	Jul 12, 2022
Book Page	2022/8190
Instrument	202207120008190

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALLEN OH
Recording Date	Jul 12, 2022
Property Address	628 S SCOTT ST, LIMA, OH 45804-1366
Document Number	7120008186
Book / Page	2022 / 8186
Map Reference	MB 2 PG 394-395
Instrument Date	Jul 11, 2022
Instrument	202207120008186
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2350 N COLE ST, LIMA, OH 45801-2373

May 2021: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ALLEN OH
Recording Date	May 4, 2021
Property Address	628 S SCOTT ST, LIMA, OH 45804-1366
Document Number	5040005977
Book / Page	2021 / 5977
Map Reference	MB 2 PG 394-395
Instrument Date	May 4, 2021
Instrument	202105040005977
Transaction Type	Foreclosure
Record Updated	May 18, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1823 W ELM ST, LIMA, OH 45805-2649

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
Municipality	Lima City
Unified School District	Lima City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,495.00 (+0.13%)	$41,940 (-) Land $1,300 Building $40,640	$119,800 (-) Land $3,700 Building $116,100
2024	$1,493.00 (-7.84%) Homeowner's exemption	$41,940 (+5.01%) Land $1,300 Building $40,640	$119,800 (+5%) Land $3,700 Building $116,100
2023	$1,620.00 (-0.12%) Homeowner's exemption	$39,940 (+3.26%) Land $1,230 Building $38,710
2022	$1,622.00	$38,680 Land $1,190 Building $37,490
2021			$114,100 Land $3,500 Building $110,600

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

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	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.

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 550 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
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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